I just released my January 2026 Mortgage Market Report, and I wanted to share a quick summary before you watch the video.
Here’s what we’re seeing right now:
• Mortgage rates have moderated from 2025 highs. We’re not in a sharp drop, but the trend is moving in the right direction.
• Mortgage spreads have improved, helping rates even when the bond market hasn’t moved much.
• Inventory is rebuilding. Not flooding the market, but enough to create more balance and negotiation power for buyers.
• Home price growth is slowing to a healthier, more sustainable pace.
• Wages are expected to grow faster than home prices in 2026, which helps affordability.
• The market is stabilizing, not rebounding. Think reset, not rocket ship.
For buyers, this means more options and slightly better affordability.
For sellers, pricing strategy matters more than ever. Overpricing leads to longer days on market, delistings, and missed opportunities.
👉 Watch the full video here to see the charts, forecasts, and what this means for your specific situation.
👉 If you’re thinking about buying, selling, or refinancing in 2026, schedule a quick strategy call so we can walk through your numbers and options.
The market doesn’t reward guessing. It rewards preparation.
If you’re unsure how this market impacts your situation, schedule a quick strategy call and we’ll walk through your options together with clarity and no pressure.
Schedule a mortgage strategy call - https://kevinbrierton.com/call/
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Kevin Brierton
Branch Manager - Certified mortgage planning specialist - CLA
NMLS #599873
Scottsdale, AZ
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ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 1,650 families with more than $500 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.
In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!
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