Use when a lender, agent, or homebuyer needs current rate benchmarks. Returns 30Y and 15Y fixed rates, ARM spreads, points, DTI standards, and affordability index. Example: 30Y at 6.37%, affordability at 5-year low. Source: FRED weekly. Every response is ML-DSA-65 signed and independently verifiable. Includes cryptographic receipt at trust.stratalize.com/verify.

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