TODAY’S MORTGAGE RATES

Interest Rates improved over .1% and are
currently sitting at close to their lowest
levels in 3 years.

The Mortgage Backed Security (MBS)
market traded up +28 bps on the
week. The 10 Year Treasury is
currently sitting at 4.05%

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

A 30 Year Fixed Conventional Rate at
6.04% – equates to a $602.12 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 CPI
Inflation Report and BLS Jobs Report.
Year over Year inflation dropped to
2.4% which was very positive for
interest rates. As inflation drops,
interest rates typically follow.

The BLS Jobs Report showed job creation
much higher than the expectations.
130,000 jobs were created in January
compared to an estimated 55,000 Jobs.
The Unemployment Rate also dropped
from 4.4% to 4.3%.

This info is good for the workforce,
but not good for interest rates.

This week looks to be a slow week
with little data coming out that has
a major impact on interest rates.

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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FEBRUARY 2026 – REAL
ESTATE REPORT

Here is the audio of Keeping Current
Matters February 2026 Real Estate
Market Report:

https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/assets/audio/20260205/MMR-February-2026.mp3

Here are some of my favorite slides.

Home Affordability is improving greatly.

Home Affordability especially started to see
significant improvement in June of 2025.

The % of a mortgage payment compared
to the median income is approaching the
lowest levels since June of 2022.

Mortgage Rates have improved over 1%
since January 13^th, 2025. That creates a
$352 per month monthly savings on
a $500,000 loan.

Home Price growth has moderated tremendously
which is also helping with home affordability.

Wage Growth is also outpacing Home Prices.

The combination of:

1. Lower Rates and Payments
2. Home Prices Moderating
3. Wage Growth outpacing Housing Prices

All help make Home Affordability in 2026
the best we’ve seen in some time.

Hope you have a fantastic week!!