🏡 Mortgage Market Update – February 23, 2026

As February comes to a close, the mortgage market continues to show steady and measured conditions. Buyer interest is gradually building as we approach the early stages of the spring housing season, while homeowners remain focused on long-term planning rather than reacting to short-term fluctuations. This consistent environment is helping create greater confidence across the market.

Inventory levels are continuing to improve in many regions, giving buyers more options and easing competitive pressure. Homes are generally spending more time on the market compared to peak seasons, allowing for more balanced negotiations and thoughtful decision-making. Sellers are demonstrating flexibility as activity slowly increases.

Homeowners are using this period to reassess financial goals and housing plans for 2026. Many are reviewing mortgage strategies, preparing for upcoming expenses, or considering improvements that align with their broader plans. Taking a proactive approach now can open the door to more opportunities as market activity increases in the coming months.

Overall, the market remains stable and balanced. While affordability is still an important consideration, steady conditions and expanding inventory are creating opportunities for strategic planning and confident decision-making.

👉 If you’re thinking about buying, refinancing, or preparing for the upcoming spring market, contact us today to review your options and build a strategy that supports your goals.