01/21/2026
Mortgage rates in January 2022 were 3.22%. By October 2022, they had skyrocketed to 7.08%! 📈 That was a brutal year for buyers. But here's what's exciting: we're seeing real relief now in January 2026! Rates have eased significantly from those 2022 peaks, and affordability is improving. While we're not back to the historic lows of 2021 (2.65%), the trend is moving in the right direction.