02/11/2026
I was discussing this with clients yesterday, so I thought I’d share.
There’s a growing narrative that mortgage rates are going to “crash” soon.
That’s probably not the right expectation.
Based on recent reporting and industry commentary (HousingWire), rates cooled throughout 2025 and are hovering in the low-to-mid 6% range heading into 2026.
The bigger takeaway:
We’re likely entering a period of stability, not a dramatic drop.
Most forecasts point to rates living roughly between 6%–6.5% over the next few years, with modest easing possible later in 2026.
Why this matters:
• Buyers are slowly accepting that 3% rates aren’t coming back
• Inventory is improving
• Refi activity increases whenever we see small dips
• Lenders are competing more aggressively on certain products
In plain English:
Waiting for the “perfect” rate may keep you stuck.
Smart buyers and sellers are focusing on:
✔ Monthly payment
✔ Long-term plans
✔ Negotiation leverage
✔ Refinance opportunities later
The market isn’t broken.
It’s normalizing.
And for people who plan well, that creates opportunity.
Curious how this plays into your specific situation?
Happy to talk.
