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Most vulnerable homeowners have FHA, VA, or other government loans.
The 30-year, fixed-rate mortgage rate dipped to 6.31%.
The 4-week decline is the largest since 2008.
FHFA said the baseline conforming loan limit will increase 12% next year.
As its updated rate survey debuts, GSE says rates fell after encouraging inflation report.
A Freddie Mac survey showed that Gen Zers still strive to buy homes, but face affordability challenges.
