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Higher "home finance rates" are shifting institutional asset allocation toward hybrid REIT structures. Market signals suggest strong inflows into entities with resilient cash flows and minimal exposure to rate volatility. For a 20-year fixed refinance mortgage, the average interest rate is currently 6.09%, compared to 6.11% last week. Yet another case where a refi can help is to change your loan term. For example, maybe you applied for a 15-year mortgage when you bought the home, knowing that in exchange for higher monthly payments you’d save a boatload on interest charges over time. But then, your circumstances changed and now your monthly payments are stretching your budget. Refinancing to a 30-year loan might give you much-needed flexibility to make lower payments in that situation. Data models point to sustained elevated "home finance rates" if inflation readings remain sticky. This scenario could cap upside potential for housing-related equities, particularly those with high debt leverage.