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TODAY’S MORTGAGE RATES

Mortgage Rates hit 2-month lows
and dropped another .05% with The
Mortgage Backed Security (MBS) market
trading up + 32 bps over the past 7
days. The 10 Year U.S. Treasury
currently sits at 4.1297%

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

Overall, it’s been a great year for
mortgage rates. See chart below
going over rates for the year.

Home affordability has improved
significantly in 2025.

If you were looking to purchase or
refinance on January 1, 2025, the
average 30-year fixed mortgage rate
was 7.07%. Today, that same average
rate is approximately 6.19%.

According to the Mortgage Bankers
Association, the average new loan
origination in 2025 has been around
$400,000. Here’s what that rate change
means in real dollars:

$400,000 loan at 7.07% → $2,680.04/month
$400,000 loan at 6.19% → $2,447.28/month

That’s a monthly savings of $232.76
compared to the beginning of the year.
And that savings doesn’t even factor
in two additional affordability boosts
we’re seeing across many markets:

*Slight declines in home prices, and
*Widespread seller concessions, which
are often being used to buy down
interest rates and further reduce monthly
payments.

The bottom line:
Homes are more affordable today
than they were at the start of 2025

If you would like to take advantage
in 2026, let’s have a conversation.

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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BUYER LEVERAGE IS BACK –
AND THAT’S A BIG SETUP
FOR 2026

For the first time in years, the market
feels balanced again – and that’s good
news. Inventory is up. Homes are
sitting longer. Sellers are negotiating.
This isn’t a slowdown. It’s a reset.

What we’re seeing right now:

*More seller concessions
*More rate buydowns and creative financing
*Fewer bidding wars
*More realistic pricing

For buyers who’ve been waiting, this
is the environment they wanted – more
choices, less pressure, and better deal
structure. And for Realtors, this is where
skill matters again. Pricing strategy,
negotiation, and guidance are once
again the difference between a deal
closing or stalling.

Looking ahead to 2026

Improving affordability, increased inventory,
and a more rational market set the stage
for a strong year ahead. Buyers who act
in balanced markets often secure better
terms and better long-term value.

The message is simple:
You don’t need to time the market – you
need the right plan and the right team.
That opportunity is starting to take shape.

Happy New Year!!!