Market Trends
Demetria C. Lester
February 6, 2026
The share of homeowners carrying mortgage rates above 5% has tripled since 2022, and even modest rate declines could open refinancing opportunities for millions of borrowers, according to new analysis from ICE Mortgage Technology.
The potential $200 billion mortgage bond purchase plan by President Trump to reduce nationwide mortgage rates has fueled a heated debate, with experts warning that its advantages may be fleeting and that it could lead to increased home prices.
House Republicans are looking ahead to next week’s possible vote on the Housing for the 21st Century Act, part of Congress’s efforts to enact legislation combating the housing affordability crisis. House Financial Services Chair French Hill said he is “really pushing” for the bill to come to the House floor soon.
New ATTOM data shows the share of equity-rich homes dipped to 44.6% in Q4 2025, signaling a gradual normalization of homeowner equity after years of rapid price gains while underwater mortgage rates remain near historic lows.
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