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TODAY’S MORTGAGE RATES

Happy New Year!

Mortgage Rates stayed the same over
the past 7 days with the Mortgage
Backed Security Market trading up
+ 4 bps. The 10 Year U.S. Treasury
currently sits at 4.173%.

Here are your Average Mortgage
Rates across the country according
to Mortgage News Daily.

A 30 Year Fixed Conventional Rate at
6.19% – equates to a $611.82 Principal
and Interest Payment per $100,000 in
Loan Amount. If you would like me to put
together scenarios for your situation, feel
free to contact me or use my Free
Mortgage Calculator below:

Mortgage Calculator – Green Home Loans

It’s been a relatively slow week for
mortgage news with the New Year.

The recent political turmoil in Venezuela
hasn’t made much of an impact on
interest rates as of yet.

On Friday, January 9^th, 2026 – we
will get December’s BLS Jobs Report.
The Jobs Report typically has a big
influence on where rates will head
over the next month.

Here is where some industry experts
and companies expect 30 Year Fixed
Conventional Mortgage Rates to go in
2026.  The average 30 year fixed
conventional rate today is 6.19%.

There are a lot of characteristics
that go into a mortgage rate –
credit score, investor, loan to
value, loan amount, costs, etc.
Please call me to go over your specific
scenario so we can price your loan
out accurately.

Or you can get a Free Mortgage Quote
or Apply for a Mortgage with the links below.

Thank You! 

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2026 SETTING UP TO BE A BIG
YEAR FOR REAL ESTATE

We are expecting a turnaround year
for Real Estate with more activity
and more sales.  We are already
seeing much more sales activity
than this time last year.

In December 2025, we saw Home
Buying activity at the highest levels
of 2025. November and December are
typically some of the slowest periods
of the year due to the Holidays.

According to NerdWallet – Americans
planning on buying a home in 2026
raised from 15% to 17%.

Many industry experts are predicting
a healthy housing market for 2026.
See quotes below.

“After a challenging period for buyers,
sellers and renters, 2026 should offer a
welcome, if modest, step toward a
healthier housing market.”

-Danielle Hale, Chief Economist at Realtor.com

“Top economists have one word to
sum up the housing market for 2026:
opportunity. Lower mortgage rates and
a rising supply of homes are expected
to open up the housing market . . .
something the real estate industry and
potential home buyers and sellers have
been waiting for, following three years
of stagnation.”

-National Association of Realtors

“Buyers are benefiting from more inventory
and improved affordability, while sellers
are seeing price stability and more
consistent demand.  Each group should
have a bit more breathing room in 2026.”

-Mischa Fisher, Chief Economist at Zillow

If you are looking to purchase in 2026,
let’s schedule a call and go over your
goals so you are ready to purchase
when the timing is right.

Hope you have a fantastic week!!