We are seeing encouraging signs in the housing market. Home sales activity increased in November, reflecting renewed buyer confidence as mortgage rates have trended lower.

This improvement supports the view that we may be entering a prolonged and more pervasive rate-decline environment, which we are hopeful will continue into 2026, benefiting both purchase and refinance activity.

Having spent over 20 years as a loan officer, I’ve only experienced a few true paradigm shifts in markets, rates, and expectations. This feels like one of them. While anecdotal, it’s worth noting.

let’s get you pre-qualified and ready to go in 2026.

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