Mortgage rates are starting 2026 on a slightly friendlier note than much of 2025. Freddie Mac’s latest Primary Mortgage Market Survey shows the average 30-year fixed rate at 6.15% (week ending Dec. 31, 2025), with the 15-year fixed at 5.44%. (Freddie Mac) That’s meaningfully below where rates sat a year earlier and has begun to bring more buyers back off the sidelines. For Q1 2026, the outlook is...
first time homebuyer
Current Market Snapshot: A Balanced Act Recent data suggests a move towards a more balanced market in Houston. After periods of intense bidding wars and historically low inventory, we're seeing a steady increase in homes on the market. This isn't necessarily a flood, but rather a healthy replenishment that offers buyers more choice. Consequently, while homes are still selling relatively quickly, the...
Houston Real Estate Market: A Mid-2025 Snapshot The Houston real estate market continues to evolve, presenting both opportunities and challenges for buyers and sellers. According to the latest data from the Houston Association of Realtors (HAR.com) for June 2025, the landscape for single-family homes shows significant shifts. Current active listings have reached a remarkable high, with 38,713...
The 2025 Interest Rate Outlook: Your Call to Action to Buy Now As we move into the latter half of 2025, the outlook for interest rates remains a key focus for aspiring homebuyers and real estate investors.1 While the era of historically low rates seen in 2020-2021 is firmly in the rearview mirror, experts largely anticipate a period of relative stability, with potential for modest declines rather than...
Home prices in Texas have been steadily climbing. In major cities like Austin, Dallas, and Houston, median home prices have reached new highs. The combination of low inventory, high demand, and limited new construction has driven up prices, making it harder for buyers to find affordable properties. Even in suburban areas, where prices once remained lower, the demand for housing has led to price hikes,...
The housing market has long been known for its cyclical nature, experiencing periods of rapid growth (booms) and sharp declines (busts). These cycles are influenced by various economic factors, including interest rates, inflation, and government policies, often leading to dramatic shifts in home prices. Understanding the causes and impacts of these cycles, especially the busts of the 1990s and 2000s, and...