Today's Market Recap
Stay informed with current mortgage rates and market insights updated daily.
Last Updated: January 2, 2026
Current Mortgage Rates
52-Week Rate Performance
30-year fixed rates have decreased approximately 0.87% over the past year, ranging from a low of 6.13% to a high of 7.26%. Current rates remain competitive for homebuyers looking to lock in.
Market Insights
Housing Market Trends
- •Inventory: Housing inventory remains tight in many markets, creating competitive conditions for buyers
- •Prices: Home prices continue to show resilience with moderate year-over-year appreciation in most regions
- •Days on Market: Well-priced homes are selling quickly, especially in desirable neighborhoods
What This Means For You
For Buyers:
With rates down from their 52-week high, now may be a good time to lock in. Get pre-approved early and be ready to move quickly on the right property.
For Sellers:
Lower rates bring more buyers to the market. Price your home competitively and take advantage of strong demand with our low 2% listing fee.
When Should You Lock Your Rate?
- • Rates are trending upward
- • You found your home
- • Economic indicators suggest increases
- • You're satisfied with current rates
- • Rates are trending downward
- • You're still house hunting
- • Working on improving credit
- • Market shows signs of softening
Rate locks typically last 30-60 days. Coordinate with your lender to ensure your lock period covers your closing date. You can always refinance later if rates drop significantly.
Ready to Take Advantage of Today's Rates?
Whether you're buying or selling, we're here to help you make the most of current market conditions.