Mortgage rates and affordability shape everything in 2026. In this article we explain what January is telling us about buyer confidence, borrowing power and why understanding your numbers early gives you a huge advantage.

A small shift in house prices can change what you can afford, what you can move to and how much you take with you. This article shows why understanding your numbers now gives you a huge advantage later.

If you are looking to buy in 2026, January is when the smartest buyers get ahead. In this article we explain how early demand works, why many people miss the best homes and how to make sure you are first in line when the right property appears.

Buyer demand does not suddenly appear in spring. It starts right now. In this article we break down where serious buyers are in January 2026, why early demand creates stronger pricing and how sellers who move first gain a real negotiation edge before the market becomes crowded.