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If you’ve been keeping an eye on the housing market, you know that the last few years have been a rollercoaster. After peaking at nearly 8% in 2023, mortgage rates have spent much of 2025 and early 2026 on a slow, grinding decline. As we move through March 2026, many buyers and homeowners are asking the same question: Have we finally hit the bottom, or is there more room for rates to fall?  Here is what the experts are predicting for the rest of the year and how it impacts yo

Mortgage rates have stayed near their lowest levels in three years, yet borrowers remain cautious. Recent data from the Mortgage Bankers Association (MBA) reveals an 8.5% drop in mortgage applications during the week ending January 23, 2026. This decline includes a 16% fall in refinance requests and a slight decrease in purchase applications. While this might seem like a setback, the full picture shows a more nuanced story about borrower behavior and market conditions. Mortga