YouTube video by Derek McGowan (published Jan 14, 2026) arguing that mortgage rates have fallen to three-year lows. The host links the decline to lower-than-expected CPI inflation (0.2% vs. 0.3 forecast) and a government announcement that Fannie Mae and Freddie Mac will purchase about $200 billion of mortgage-backed bonds — both factors pushing rates down. The speaker advises prospective homebuyers that waiting for lower house prices may not be the best financial move given these rate forces.
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I mentioned January could be a turning point for mortgage rates and we just hit three year lows. I know there are still people waiting for house prices to drop and I'm here to tell you that that's not your best financial decision if you're looking for a new home. Here's what happened with mortgage rates in November, December, there was weak economic data. I mentioned that previously, but the market didn't react substantially because there were government shutdowns the holidays. They thought that it wasn't accurate data, but that all was validated today in January as the CPI inflation report came out at 0.2%. It was forecasted at 0.3%. We've talked before. Lower inflation means lower mortgage rates. That's exactly what happened. And a couple days back the government also announced for Fannie Mae and Freddie Mac to purchase 200 billion with the B dollars worth of bond mortgage bonds specifically that will infuse mortgage rates to go lower. The best thing I can compare it to is back in Covid days we all remember how super low rates were then. The government was buying $40 billion per month for about a year and a half and that made rates super low. Now we're not going to get Covid rates, but this certainly does help, you know, mortgage rates go lower. So you have a bunch of bonds, weak economic data, 3 year low mortgage rates. Reach out for more tips so you can get the inside scoop of where mortgage rates are headed before it hits the.
