Video
February 6, 2026
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February 6, 2026
A Quiet Shift Is Opening the Door for Buyers
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Mortgage rates dipped just a little this week, but that’s not the headline. What matters is what’s starting to change underneath.
New jobs data points to a cooling labor market. When hiring slows and inflation pressure eases, mortgage rates often follow. It’s not a big move yet, but it’s the kind of shift that can create opportunity before it shows up in the headlines.
At the same time, the housing market is holding together. Inventory is still limited, demand hasn’t disappeared, and home values remain supported. Instead of a crash, the market is slowly becoming more balanced.
This is often how opportunity shows up. Not with fireworks, but quietly. Buyers who stay prepared and understand the moment are in a stronger position to act when the timing is right.
If you’re watching the market closely, this is a shift worth paying attention to.
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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.
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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.
