For the last few years, refinancing (changing your old home loan to a new one with better terms) felt impossible for many people. But now in 2026, things are different. Mortgage interest rates have become more stable. They are mostly in the low to middle 6% range (though recent data shows some averages dipping below 6%, like around 5.98% for new 30-year loans, and refinance offers often a bit higher). If you bought your home or got your loan when rates were 7% or higher (common in 2023–2024),...

Finding the perfect time to buy or sell a home often feels like you are trying to get the perfect timing on stock market trends to make profit, meaning it is very hard and quite unpredictable. But as we reach into 2026, the situation of the real estate market starts to change. After several years of high mortgage rates, limited inventory, and low affordability, many market experts now predict a more stable and balanced market. With opportunities and challenges for both buyers and sellers as...