🏡 Mortgage Market Update – January 5, 2026
The mortgage market is starting the new year with a sense of stability. After the seasonal slowdown in December, activity is beginning to pick up as buyers and homeowners re-engage with fresh goals for 2026. Rates remain relatively steady, giving many people a clearer environment for planning rather than reacting to sudden changes.
Early January often brings renewed interest from buyers who paused during the holidays. At the same time, sellers are gradually returning to the market, helping improve inventory in some areas. This balance can create healthier conditions, with more thoughtful decision-making and fewer rushed offers.
Homeowners are also using the start of the year to review their financial strategies. Many are reassessing refinancing options, long-term payment planning, or ways to use home equity to support renovations, debt consolidation, or other life goals. Starting these conversations early in the year can open up more flexibility down the road.
Overall, the market is entering 2026 on a steady footing. While affordability remains an important consideration, the combination of predictable conditions and renewed activity makes this a smart time to evaluate your mortgage strategy and set priorities for the year ahead.