Скачать или смотреть The Truth About Falling Interest Rates and Today’s Housing Market

Mortgage rates are finally coming down — but the housing market isn’t exactly “on sale.”

In this update, we break down where U.S. mortgage rates stand today (around 6.06%–6.2% for a 30-year fixed), why they’ve declined from last year’s 7% highs, and what Federal Reserve policy shifts are doing behind the scenes.

Here’s what you’ll learn:

• Why rates have dropped to their lowest levels in over three years
• How Federal Reserve easing and mortgage-backed securities impact your payment
• Why affordability is improving — but still historically stretched
• Why homeowners are still “rate locked” and not selling
• Why inventory remains tight and prices aren’t collapsing
• What this means if you're buying, selling, or refinancing in 2026

The housing market is in a transition phase. Lower rates are a positive tailwind, but until supply expands and rates fall further, affordability won’t dramatically improve.

If you’re buying or selling in the California Peninsula, Half Moon Bay, or Maui markets, reach out directly for a personalized strategy.