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December 5, 2025
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December 5, 2025
Is 2026 Going to Be a Better Year for Homebuyers?
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If you are thinking about buying a home in 2026, the newest data brings some encouraging signs. Mortgage rates are holding steady, but the job and inflation trends behind the scenes are starting to work in buyers’ favor.
Job growth has continued to weaken, which helps cool inflation over time. The most recent inflation numbers came in exactly as expected, and that stability helps keep the market calm. When inflation cools and surprises are avoided, mortgage rates tend to benefit.
With both inflation and job growth easing, expectations for a Fed rate cut have increased. A cut does not immediately lower mortgage rates, but it often helps them trend downward. Rates are already lower than their peak, and early 2026 could bring even better opportunities if this trend continues.
Many first time buyers will also receive larger tax refunds next year due to recent tax law changes. That extra money can help with a down payment or paying down debt, which can open the door to homeownership.
Buyers still have access to strong seller incentives like closing cost credits and temporary rate buy downs. These incentives can make a big difference, but they will fade once rates and demand start to rise.
After several slow years in the housing market, a lot of buyers have been waiting for the right time. If conditions improve, activity could pick up quickly. The current landscape may give you a helpful opening before the market shifts.
If you want to explore what this could mean for your own homebuying plans, now is a great time to reach out.
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The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative.
Estimated Mortgage Payment is for exemplary purposes only. Contact a licensed loan officer for exact numbers and APR. Additional rates and terms may apply and are subject to change without notice. Loan scenario assumes a purchase price of Zillow's list price and a 10% down payment. Points and fees not included. Property tax, homeowners insurance, mortgage insurance, and HOA fees are approximate and may vary. Other fees may apply. Product displayed is a conventional 30-year fixed rate mortgage using the current average rate as shown on Mortgage News Daily (mortgagenewsdaily.com).
Estimated Qualifying Income assumes a homebuyer has a FICO score above 740, no other credit debt, and a debt-to-income (DTI) ratio of 43%.
For exact numbers and APR or to run a loan scenario based on your own credit and income, contact our office at (858) 259-8700.
Rate Source: Mortgage News Daily. Rates displayed are approximate, subject to change, and do not necessarily reflect rates available to you. MND’s methods involve an objective component based on lenders' raw prices as well as a subjective impression from their network of originators. For more information about how these rates are calculated, visit www.mortgagenewsdaily.com/mortgage-rates/about.
Mortgage News Daily (MND) is a trademark of Brown House Media, Inc. Zillow is a trademark of Zillow, Inc. CrossCountry Mortgage has not been authorized, sponsored, or otherwise approved by Brown House Media, Inc. or Zillow, Inc.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan.
