Market Check-In

A lot of headlines lately, so here’s what actually matters:

• The Fed hit pause again — no rate hike at their first meeting of 2026
• The 10-year Treasury is sitting around 4.27%, which helps keep mortgage rates steady
• Mortgage rates are still hovering near their lowest point in 3 years
• 30-year fixed loans are landing in the low 6% range
• President Trump has named a nominee for the next Fed Chair — but no immediate impact on rates

Translation?

Despite all the noise, mortgage rates didn’t flinch.

This is actually a solid setup heading into spring — more balance, more predictability, and fewer panic moves than we’ve seen in years. Rates will still respond to inflation and economic data (they always do), but right now things are… surprisingly calm.

If you’re waiting for a “perfect” moment, remember: clarity beats timing every time. Know your numbers. Know your options. Then move when it makes sense for you.

If you want help running the numbers or understanding what today’s rates mean for your situation, just reach out. No pressure. Just strategy.