What’s happening
in the market.
The housing market is always moving. Here’s my take on what’s happening right now — rates, prices, inventory, and what it all means for you.
Last updated: June 9, 2026. Rates and market conditions are subject to change.
What you need
to know right now.
Rates Are Stabilizing
After the volatility of recent years, mortgage rates are showing signs of stabilization. This creates opportunities for both buyers and refinancers who've been waiting on the sidelines.
Home Prices Holding Strong
Limited inventory continues to support home prices in most markets. This is good news for homeowners building equity — and a reminder that waiting for prices to drop may not be the best strategy.
Inventory Is Gradually Improving
More listings are coming to market in many areas, giving buyers slightly more options. This doesn't mean the market is shifting dramatically — it means there's more balance than there was a year ago.
First-Time Buyers Still Have Options
FHA, VA, USDA, and down payment assistance programs remain strong paths for first-time buyers. Don't assume you need 20% down — that's one of the biggest misconceptions out there.
Current rate ranges.
Rates vary based on your credit score, down payment, loan amount, and other factors. These are general ranges for informational purposes — I’ll provide a personalized rate quote based on your exact situation.
Rates shown are approximate ranges as of June 2026 and are subject to change without notice. Contact me for a personalized quote.
Markets I serve.
High demand in coastal metros; jumbo loans common in Bay Area and SoCal.
View California detailsPhoenix metro continues to grow; strong FHA and conventional activity.
View Arizona detailsDenver metro remains competitive; mountain communities see seasonal shifts.
View Colorado detailsInsurance costs are a factor; condo financing has new requirements.
View Florida detailsNo state income tax attracts relocators; new construction is strong.
View Texas detailsTech-worker lending and jumbo loans in Seattle/Puget Sound markets.
View Washington details
Questions I hear
all the time.
Is now a good time to buy?
The "best" time to buy depends on your personal situation — not the market headline. If you're financially ready and plan to stay in the home for several years, buying now lets you start building equity. I'll help you run the numbers for your specific scenario.
Should I wait for rates to drop?
Waiting for lower rates can backfire if home prices continue to rise. You can always refinance later when rates drop, but you can't go back and buy a home at yesterday's price. The key is finding a payment you're comfortable with today.
How is the market in my state?
Each of the six states I serve has its own dynamics. I provide state-specific insights during our conversation and create personalized video breakdowns for your target market. Every area is different.
What does limited inventory mean for me?
Limited inventory means there are fewer homes for sale, which can create competition among buyers. Having a strong pre-approval and being ready to act quickly gives you an advantage. I'll have your pre-approval ready to go.
What does this mean
for you?
Market conditions are just one piece of the puzzle. Your credit, income, timeline, and goals matter more. Let me create a personalized video showing you exactly what your options look like in today’s market.