HELLO, DREAMERS!
If you’ve been watching the market — or even just skimming headlines — you’ve probably noticed something important:
the conversation around mortgage rates has shifted.
There’s a different tone right now.
More stability. More confidence. More opportunity.
And while no one has a crystal ball (and I’ll be the first to say that markets can change), there is real momentum building as we move through the early part of 2026.
Here’s what I’m seeing — and why it matters
After attending Fairway’s Annual Meeting earlier this month and hearing insights from (optimistic) industry economists like Logan Mohtashami, one message came through clearly:
the market is healthier, calmer, and more balanced than it’s been in quite some time.
Mortgage rates don’t need to “fall off a cliff” to create opportunity. In fact, some of the most productive and successful markets happen when things feel predictable, not dramatic.
We’re seeing:
- Less volatility
- A more normal relationship between mortgage rates and the bond market
- Buyers and homeowners gaining confidence again
That combination matters — because confidence is what gets people moving.
A quick word about timing (and why it’s not everything)
I’m often asked, “Should I wait for rates to go lower?”
It’s a fair question — but it’s rarely the most important one.
The borrowers who tend to feel best about their decisions aren’t the ones who perfectly time the market. They’re the ones who understand their options, run real numbers, and make a plan that fits their life, not a headline.
In stable markets like this, opportunity shows up in many forms:
- Purchasing before competition heats up
- Refinancing strategically rather than reactively
- Adjusting loan structure to improve monthly cash flow
- Planning ahead so you’re ready when the timing feels right
What excites me about this year
After a few years that required adaptability, creativity, and patience, there’s a renewed sense of optimism in the air — and it’s grounded, not flashy.
This feels like the kind of market where:
- Preparation pays off
- Good advice matters
- Thoughtful planning creates real wins
And those are exactly the environments where I love helping clients navigate next steps.
If you’re curious — let’s talk
If you’re not quite “ready” to make a move, but you want clarity, I’m always happy to connect.
Especially if you’re:
- Curious about what today’s rates mean for you
- Anxious to run numbers and see what’s possible
- Interested in buying, refinancing, or just understanding your options
These conversations don’t require pressure or perfect timing – just good questions and honest answers.
This feels like a year that will be full of momentum, clarity, and opportunity.
(Yay and yay!!! We’ll take it!!!)
— S.
