Lower, more stable, and finally predictable—here’s what to expect as the new year begins.
Happy New Year!
If you’ve been waiting for good news on mortgage rates, 2026 is starting off on the right foot. Rates are not only lower than this time last year—they’re also far more stable, and that’s a big deal for buyers and sellers alike.
As of late December, the average 30-year fixed rate sits in the low-6% range, down from the high-6% range just a year ago.
But averages only tell part of the story. Here’s what mortgage and market experts are saying as we step into the new year:
What to Expect Heading Into January
The biggest shift right now isn’t just that rates are lower—it’s that they’re finally predictable.
That means:
- Buyers can make long-term plans instead of feeling pressure to time the market
- Conversations shift from “Should we wait?” to “Does this payment fit our goals?”
- Strategy and structure (not just rate-chasing) matter more than ever
And remember—those are national averages. Novum Home Loans often has rates well below the national average, especially with our creative loan strategies and partner programs.
Bottom Line
If you’re planning to buy or refinance this year, the best first step is to run the numbers and see how today’s rates—and your options—fit your goals.
2026 might not bring big surprises…but that’s exactly what makes it a great time to get started.
We’re here to help you navigate the year ahead with confidence.
📞 Let’s run the numbers together.
Call (830) 402-4284 to see what works best for your budget and your plans.
