What the Data is Telling Us about 2026 – And Why Realtors (and Buyers / Sellers) Should Be Paying Attention Now

by Betsy Brush, RMLO, Eagle Home Loans

Disclosure: Betsy Brush is a licensed mortgage loan originator with Eagle Home Loans. This content is provided for educational and informational purposes only and is not a commitment to lend or a guarantee of loan terms. All loan programs, rates, and terms are subject to change and borrower qualifications. Betsy Brush | NMLS #2678985; Eagle Home Loans | NMLS #1596089 Equal Housing Lender

I was fortunate to attend a data-driven presentation, which focused on things Real Estate Agents and buyers will want to understand as we look toward 2026. Owen Lee, Chairman of the Mortgage Bankers Association, spoke to a small group of mortgage lenders and shared practical data and insights for the 2026 housing market.

If you want to stay ahead of the curve and make strategic decisions, this blog post is for you.

PURCHASE VOLUME IS EXPECTED TO RISE

Purchase volume is projected to increase by approximately 8% next year, even before factoring in refinance activity. Historically, this places the upcoming year among the strongest mortgage years in the last two decades.

This means the market is not shrinking—it is normalizing.

Sources: Mortgage Bankers Association Forecast 2025

PURCHASES ARE GROWING IN BOTH EXISTING HOMES AND NEW CONSTRUCTION

Steady, slow growth is expected in both resale and new construction. Builders are responding to demand, and buyers are adapting based on affordability and availability.

Real Estate Agents and buyers/sellers who partner with a lender that understands both resale and construction financing will be positioned for success.

Sources: Census Bureau, NAR, MBA 2025

HOUSING SUPPLY IS IMPROVING

Inventory levels are increasing, particularly in the middle price ranges where most buyers are active. This is similar to the recovery pattern seen after the Great Recession (2008-09).

More inventory creates healthier negotiations and better balance between buyers and sellers.

Having a pre-approval letter you can count on and a lender who prioritizes speed, responsiveness and excellent communication will ensure you win deals in the 2026 selling season.

Sources: Census Bureau, NAR, MBA 2025

HOME PRICES MAY SOFTEN

Home prices are expected to soften slightly—potentially the first decline in about 14 years. However, prices rose roughly 65% in recent years, making this adjustment modest and healthy.

This is not a crash. It is a recalibration.

Sources: Federal Housing Finance Agency, MBA Forecast 2025

HOMEOWNER EQUITY IS AT AN ALL-TIME HIGH

Homeowner equity is currently at record levels, representing the largest amount of tappable equity in U.S. history.

Equity creates flexibility for move-up buyers, downsizers, and strategic refinances.

Sources: Federal Reserve Board, MBA 2025

WHAT THIS MEANS FOR REALTORS

The agents who will thrive are those who educate with data, stay visible, and partner with lenders who can clearly explain options.

WHAT THIS MEANS FOR HOMEOWNERS & BUYERS

The market is stabilizing. Opportunities are returning in healthier forms. Understanding equity and financing options is key.

FINAL THOUGHTS

The foundation for the next phase of the housing market is already being built. Those who understand the data – and act on it thoughtfully – will be best positioned for success in 2026.

If you’re a realtor and want a lending partner who brings clarity, confidence and consistency to everyone involved in the transaction, I’d be happy to be a resource. Let’s connect and talk strategy.

Important Notice:

Market forecasts, projections, and housing data discussed in this article are based on industry sources and are subject to change. Past performance is not a guarantee of future results. Individual loan scenarios may vary based on credit profile, property type, and market conditions.