Episode 236: What to Expect in 2026: Rates, Inflation & the Housing Market

In this episode, we sit down with Elly Cummings from New American Funding to break down what the mortgage world might look like in 2026. If you’re wondering where interest rates, home prices, and the market are headed, this conversation is for you. Elly shares why a roughly 6% rate in 2026 isn’t the doom-and-gloom headline it’s made out to be and why focusing on affordability, not chasing the perfect rate, is what actually matters. We also get into inflation, the impact a new Fed chair could have, and which economic clues are worth paying attention to. Thinking about buying instead of renting? Elly explains why waiting could mean paying more later, especially with prices still rising and spring competition heating up. We also talk through tools like temporary buy-downs and how they can help you lock in a payment that fits your life. If you're planning to buy, refinance, or just want to feel more confident heading into 2026, this episode is full of practical insights you can actually use. Let's dive in!