This week’s market activity may not have been exciting, but that’s actually a positive sign. Mortgage rates have stabilized as inflation continues to cool and wage growth slows. While economic headlines still move markets short term, the overall trend has been one of moderation rather than stress. Recent media coverage around rising foreclosures caused concern for some buyers, but the data tells a very different story. Foreclosure activity remains near historic lows and is no

Mortgage rates moved lower this week, reaching levels not seen in over a year. At the same time, financial headlines have grown louder, warning about foreclosures, economic stress, and uncertainty ahead. So what’s really happening? The bond market has stabilized. Mortgage-backed securities continue to hold key support levels, and Treasury yields remain capped. While short-term rates remain sensitive to data, longer-term demand for bonds is holding firm. Labor data shows a gra

Most buyers assume spring is the best time to purchase a home. While inventory often increases, competition increases right along with it. January, on the other hand, tends to offer a quieter but more strategic opportunity for prepared buyers. Here’s why early-year buyers often have the advantage. 1. Less Buyer Competition January traditionally sees fewer active buyers. That means: • Fewer bidding wars • More time to evaluate homes • Less emotional pressure • Cleaner negotiat

A new year often brings urgency. Urgency, however, isn’t a strategy. Pressure Leads to Mistakes When buyers feel rushed, they: Skip important questions Ignore structure Focus on speed instead of fit Clarity Creates Control A clear plan allows you to: Compare options Understand trade-offs Move forward confidently A Better Way to Start the Year You don’t need pressure to make progress. You need information. Start 2026 with clarity — everything else gets easier from there.