Economic Update – Slow and Steady Wins the Race in 2026
presented by
Mark Fleming
First American Title Insurance Company
The Case for Steady Rates
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Inflation remains sticky
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Growth will be above potential
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Long-term yields and mortgage spreads will stay elevated
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Result: mortgage rates will likely remain flat
Supply and Demand Dynamics
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Rate lock-in is gradually easing
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Where month’s supply grows house prices slow
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Result: Affordability improves modestly via income growth and price moderation
Key Take Aways for 2026
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Existing and new home sales will trend higher in 2026 as rates remain the same and supply slowly loosens.
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Refinances are very rate sensitive. In-the-money mortgages jump from 3.0M at 6.3% to 5.8M at 6.0%.
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CRE purchase and refinance transaction volume will also trend higher in 2026 as pricing clarity improves and financing conditions ease.
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Development deals (data centers and energy) will increase too.
Bottom line: Conditions favor gradual healing across housing and CRE—plan for slow and steady winning the race.
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