Steve Stoy - Realtor

So your home loan got approved. What happens NEXT? https://www.fha.com/define/loan-approval

The U.S. housing market has yet to pick up steam into 2026 — but real estate agents say there’s been a real shift toward a more balanced market, according to the quarterly CNBC Housing Market Survey. cnb.cx/4qGYx1f

Agents, are your buyers prepared to enter the market in 2026?

Mortgage rates for a 30-year fixed loan ticked up slightly to 6.16%, but at their lowest level in over a year, 2026 could be the year buyers who’ve been on the sidelines finally find their home. But even with optimistic forecasts, success depends on financial preparation. Buyers need to understand their savings, down payment options, and monthly affordability before making an offer, accounting not just for the purchase price but also closing costs, taxes, insurance, and maintenance.

Experts recommend taking stock of finances, using a mortgage calculator, and speaking with a tax professional to plan for property taxes and federal changes. Conventional loans typically require 3–20% down, while government-backed loans may allow less, but buyers should still factor in escrow and emergency savings.

Rising incomes in 2026 are expected to improve purchasing power, with monthly payments on a typical home projected to fall below 30% of median income for the first time since 2022. Buyers who plan ahead, stay realistic about trade-offs, and work with an agent who respects their budget can enter the market with flexibility, confidence, and a better chance of landing the home they want.

Read: https://rltor.cm/EaxUOp

The hottest home trends for 2026 aren’t just about style — they could make a big impact on resale. This week on Real Estate Today, tune in to hear:
•What’s driving current design decisions and how homeowners can remodel with resale in mind.
•The HGTV effect: How TV shows shape buyer expectations.
•Insights from the Better Homes and Gardens Real Estate 2026 Design Trends Moving Real Estate report.

Available on your favorite podcast platform!
https://www.nar.realtor/real-estate-today?cid=sm_RET2226

Mortgage rates near 6% are drawing buyers back, with January offering an extra perk. Buyers of a 1,500-square-foot home could save about $23,000 compared with a May purchase, according to LendingTree.

Real estate agent Matt van Winkle of Compass says December and January often deliver the best prices, as motivated sellers and lighter competition give buyers an edge.

The most expensive homes sold so far in 2025 — on and off market >> See the full article below ⬇️