Juanetta Palmore

Slide 1:
“2026 mortgage rates may drop to 5.9%, but still far from 2010s lows.”

Slide 2:
“Experts warn: rate drops won’t be dramatic or uniform across the country.”

Slide 3:
“Inflation expectations and federal deficits could keep rates stuck between 6–6.5%.”

Slide 4:
“High-5% rates might ease affordability pressures just enough to nudge buyers back.”

Slide 5:
“Mortgage originations could rise from $1.85T in 2025 to $2.32T in 2026.”

2026 Mortgage Optimism Meets Inflation Reality

Proposal could lower payments by ~$120/month, but savings depend on loan duration and refinancing habits.
Mortgages >30 years need legislative change for government backing; otherwise, higher rates may erase savings.
Longer terms slow equity buildup, increase total interest, and may not address down payment or debt barriers.
Other ideas: portable mortgages, capital gains tax changes, and Fannie/Freddie privatization face complex trade-offs.
Main solution cited: build more homes; increased construction costs from tariffs seen as counterproductive.