With the Federal Reserve's July meeting on the horizon, many prospective homebuyers and homeowners are wondering what it could mean for mortgage rates. After years of relatively high borrowing costs, even the slightest dip could open doors for those hoping to buy or refinance. But the path forward is far from clear.

Mortgage rates are up, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.78%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.

We analyzed “best mortgage lender” reviews from 9 major financial sites to find the best mortgage providers now