The Mortgage Rate Reality Check

Most people are still waiting on the same thing--and it's quietly costing them time.

That big rate drop.

The one that’s supposed to suddenly make everything affordable again and kick the housing market back into high gear.

But here’s the uncomfortable truth most headlines won’t say out loud:

Mortgage rates have barely moved in three years.

Now, they have fluctuated a little bit — but not enough to change the market.

In fact, they've quietly capped buyer demand and shaped the entire housing market.

And that’s why 2026 probably looks familiar.

I recorded a brief market update explaining why this matters, what actually moves mortgage rates, and my rate prediction for 2026. Watch before making your next move.

https://www.youtube.com/watch?v=DW31xG1nuLI

(This explains why rates have NOT gone where most people expected — and what this means for the foreseeable future.)

When rates stay elevated, buyers don’t disappear — they just wait.

That single dynamic has shaped:

- pricing decisions

- days on market

- negotiation power

- and why the market feels “stuck” instead of broken

In the video, I walk through what’s been quietly holding rates in place, why there isn’t a hidden lever waiting to make them cheap again, and what that suggests for 2026.

For the average home in our market, the expected change in rates often works out to about $200 per month.

That’s meaningful — but it’s not life-changing.

Yet many people have been putting their lives on hold for years, waiting for rates to fall in a way that may not happen anytime soon.

If you have a real reason to move — more space, a better layout, different schools, or a lifestyle change — waiting on rates alone often costs more than it saves.

If rates improve later, you refinance.

If they don’t, at least you didn’t spend years waiting for a number to change.

Want clarity for your situation? Click on the "Let's Chat" button and let me guide you through the best strategy for buying and selling a home in this market.