Instagram

TODAY’S MORTGAGE RATES

Interest Rates moved up slightly higher
than the 3-year lows we hit in the prior
week. The Current Average 30-Year
Fixed Conventional loan across
the country is 6.07%.

The Mortgage Backed Security (MBS)
market traded up +9 bps on the week.
The 10 Year Treasury is currently
sitting at 4.2846%.

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

A 30 Year Fixed Conventional Rate at
6.07% – equates to a $604.06 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

The big news last week was the
Consumer Price Index inflation report.
Inflation came in at 2.68% year over
year which was in line with estimates.

The FED is set to meet on January
27^th-28^th, 2026.  According to the
FEDWatch Tool there is a 96-97%
chance that the FED will keep the
Federal Funds Rate at the same
level it is now.

There is a lot of Geo-Political News
in the world right now with seemingly
a new headline every day. As economic
uncertainty increases, mortgage Rates
generally move higher.

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! 

Beat The Banks

OR

Register

2026 SHOULD SEE MORE HOME
SALES AND BETTER HOME
AFFORDABILITY

2025 ended on a high note for existing
home sales. Existing home sales increased
by 5.1% in December 2025, their highest
levels in nearly 3 years.

The 2026 market is expected to be
positive for home affordability and
overall home sales numbers.

1.) Mortgage interest rates are expected
to remain in the low 6% range.  This
helps home ownership be more
affordable. Mortgage Rates in January
2025 were over 7%.  Today’s Mortgage
Rates are in the low 6% range.

2.) Inventory is expected to increase by
8.9%.  Higher home inventory helps home
values stay lower as sellers have more
competition. Most experts are predicting
moderate to low home price growth in 2026,
which also helps homeowner affordability.

3.) With Mortgage Payments Lower and
Home Price Growth Slowing, there
should be more demand for housing
in 2026, which is expected to result
in more home sales than we’ve
seen in 3 years.

GHL NOW LICENSED IN NEW MEXICO

We’ve aligned the chakras… and secured the license. 🧘‍♂️🌄
Green Home Loans is now officially licensed to do home loans in New Mexico.
Green chili, hot air balloons, sunsets — and mortgages done better.

Hope you have a great week!!