Mortgage rates could eventually fall below 6% by the end of 2026, according to Fannie Mae's latest housing and economic report.

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The projection indicates that rates will reach 6.3% by the end of 2025, and then fall to 5.9% a year later. This more favorable outlook would be accompanied by a rebound in home sales and mortgage volume.

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In fact, new and existing home sales are estimated to reach 4.72 million in 2025 and 5.16 million in 2026. Furthermore, mortgage activity is expected to grow from $1.85 trillion in 2025 to $2.32 trillion in 2026, with a significant increase in refinancing, which would go from representing 26% to 35% of the total.

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The study, conducted by Fannie Mae's Economic and Strategic Research team, reflects a scenario of gradual relief for buyers, homeowners, and the housing market in general.

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If you're interested in buying a property, contact me for guidance. October is one of the best months to buy. Why?

According to a Realtor.com analysis, the week of October 12-18, 2025, will be one of the best weeks of the year to buy a home in the U.S.

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Main reasons:

More available inventory: Active listings are expected to be ~32.6% higher than at the beginning of the year.

Less competition: There will be fewer active buyers, reducing the pressure of multiple offers.

More favorable prices: In the fall, prices tend to stabilize or even drop slightly, giving you more room to negotiate.

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Considerations:

Data are national trends; your local market may vary.

Interest rates also have an influence and are not dependent on the season.

By October, many sellers will have already withdrawn or sold their homes, so it's worth taking a good look at the available inventory.

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Contact me to guide you every step of the way!

Sincerely,

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Your real estate agent,

Djinji Crocker