Mortgage rates hit a 1-month high last week, reminding buyers and sellers that today’s market is still being shaped by inflation concerns, global uncertainty, and shifting buyer behavior.

Current rates are sitting around:

• 6.375% Conventional 30-year
• 5.625% Conventional 15-year
• 5.750% 7/6 ARM
• 6.750% Jumbo
• 5.625% FHA
• 5.500% VA

When oil prices rise, inflation fears tend to follow—and mortgage rates often respond. But rates are only one part of the story.

Older Millennials, ages 36–45, are currently leading the market as some of the highest-earning and most active buyers. At the same time, first-time buyer activity has dropped to its lowest level since 1981, showing just how important preparation, financing, and guidance have become.

Builders are also gaining ground. New home applications are at post-COVID highs, which tells us buyers are still moving—especially when inventory is available.

And while Gen Z may begin their search online, 85% still say they trust real estate agents most. That means expert real-life guidance still matters.

Warren Buffett once said, “A 30-year mortgage is the best instrument in the world. If rates drop, you refinance.”

That perspective is especially relevant now.

With low inventory, selective price corrections, strong homeowner equity, and the potential to refinance in the future, this market is not one to fear. It is one to understand.

National pending sales are up 6.4% year-over-year, and homeowners are sitting on roughly 70% equity—the strongest position since 1960.

The bottom line: whether you are buying, selling, building, or waiting, the right move depends on your numbers, your timing, and your long-term goals.

This is where strategy matters most.

Break Barriers. Build Legacies.