modesto leon

Redfin and Realtor.com forecast average 30-yr mortgage rates around 6.3% in 2026.
Zillow expects rates to stay above 6% throughout 2026.
NAR and Fannie Mae project slightly lower averages near 6.0%.
Freddie Mac shows rates already easing yearly, from 6.6% to ~6.2%.
Fed signals just one 2026 rate cut, limiting affordability gains.

2026 Mortgage Rate Outlook: What Experts Say

HEIs provide cash for a share of your home's future value, with repayment due in a lump sum.
No monthly payments; credit requirements are more lenient than HELOCs or home equity loans.
Repayment includes principal plus a risk adjustment rate, which can be costly if your home appreciates.
HEIs are less popular but growing: **11,000** contracts, **$1.1B** volume in 2024 (CFPB).
Experts advise understanding risks and consulting a housing counselor before choosing an HEI.