Should you take a mortgage in 2026 right now, or is it smarter to wait for rates to fall?
📌 Verified facts
Average market mortgage rates for new builds in February 2026 are around 16.8% to 17.4%.
Major lenders estimate that mortgage rates could move down toward 13% to 14% by year-end if inflation cools.
Character Reactions
Victor Lane
Hot take
«At these rates, many families feel locked out of housing affordability.»
Alex Mercer
Cold analysis
«If the payment stays under 30% to 35% of household income and refinancing is possible, buying now can still be rational.»
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