12/05/2025
The latest market update from Sam McCollum with Guild Mortgage
Mortgage rates are holding steady…
Redfin is calling 2026 the start of “The Great Housing Reset.” Not a crash. Not a recession. A long-overdue normalization where:
• Home sales climb
• Prices chill out
• Affordability finally bends in buyers’ favor
• And—for the first time since the Great Recession—incomes outpace home
National Average Rates – Powered by MND
🏠 Conventional Loans
30-Yr Fixed: 6.24%
💼 Jumbo 30-Yr Fixed: 6.39%
🏡 FHA 30-Yr Fixed: 5.86%
🎖️ VA 30-Yr Fixed: 5.87%
Sam Cullum
Guild Mortgage Company
