Instagram

TODAY’S MORTGAGE RATES

Interest Rates had a choppy week but
ended the week close to last week –
slightly above 3-year lows.

The Mortgage Backed Security (MBS) market
traded up +6 bps on the week. The 10 Year
Treasury is currently sitting at 4.22%.

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

A 30 Year Fixed Conventional Rate at
6.17% – equates to a $610.52 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

Last week the PCE Inflation reports
came out for October and November
2025. Year over Year inflation came
in at 2.8% and is trending lower –
this is a positive for rates.

GDP in Q3 was up, showing 4.4%
annualized growth. This beat expectations –
typically good economic data is bad
for rates.

Mortgage Application numbers have heated
up over the past year. Purchase applications
are up 18% and Refinance applications are
up a whopping 183%. If you want to look
at your options, please reach out.

The big news this week is the January
FED Meeting. According to the FED
Rate Watch Tool, there is a 96.1%
chance the FED keeps the Federal
Funds Rate at the same level.

When there is not a movement of the
Federal Funds Rate, the market pays
close attention to FED Chief Jerome
Powell’s comments. His comments this
meeting may not contain as much weight
as prior meetings because according to
Treasury Secretary Scott Bessent, they will
announce the new FED Chair this week.

A new FED Chief is important as their
leadership and philosophies will shape
monetary policy for the next 4 years!

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

HOMES ARE SITTING ON THE
MARKET FOR LONGER

Homes are trending towards sitting on
the market for longer. In December
2025, the average home was on the
market 73 days. This number will
likely increase in January 2026.

If you are viewing homes to purchase,
don’t automatically cancel out a home
that has been on the market longer.
There could be many reasons for this.

-A lot of similar homes on the market
in the same area
-The home was listed too high
-The home didn’t photograph well

If the home fits your general needs
and is in the area that you want to
live, remember that there are many
Renovation loans we can offer that
allow you to upgrade the home to your
style and needs. A renovation loan
essentially builds renovation costs into
an effective purchase price, allowing
buyers to purchase and renovate without
having to come up with huge sums out
of pocket for the renovation.

The 2026 market will likely continue
to see homes on the market for longer,
with an expected increase in home inventory
of 9-10%. As a buyer you will have:

-More Home Options
-And More Negotiating Power on
Price and Seller Concessions

Contrast this to 2020-2022, where homes
would sell immediately often in bidding wars
with buyers Paying substantially over the
list price. A lot has changed in 4 years.

Hope you have a fantastic week!!