Blog Post

June 26, 2026

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June 26, 2026

Inflation Rose, but Mortgage Rates Improved. Here’s What Buyers Should Know.

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A hot inflation report could have pushed mortgage rates higher.

Instead, rates improved.

Inflation rose to its highest level since 2023, but markets were already looking ahead. The report reflected May, when oil was near $100 a barrel. Oil has since fallen below $70, Treasury yields moved lower, and mortgage rates followed.

Why does that matter for homebuyers?

Because rates don’t have to wait for the Fed to act before moving in a better direction. Even a modest improvement can lower a monthly payment, increase purchasing power, or bring a home that felt just out of reach back into the conversation.

New-home sales also fell 7.3% in May, another sign that affordability continues to shape the market. Anyone comparing new construction with resale homes should look at the full picture, including financing options, builder incentives, and total monthly cost.

The perfect market may never arrive, but better opportunities can open quickly.

Know your numbers now, so you’re ready when conditions improve.

Reach out, and we’ll show you what this week’s rate movement could mean for your homebuying plan.

Featuring:

Rate Source: MortgageNewsDaily.com

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*The Mortgage News Daily index attempts to capture the most prevalently quoted conventional, FHA, and VA 30-year fixed rates for highly qualified homebuyers that meet the appropriate down payment requirements and have no major loan-level price adjustments.

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Mortgage News Daily is a trademark of Mortgage News Daily, LLC. CrossCountry Mortgage, LLC; its subsidiaries; and its affiliates have not been authorized, sponsored, or otherwise approved by Mortgage News Daily, LLC or any of the above-mentioned companies.

Additional Resources

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Think Nobody's Buying Homes Right Now? Think Again.

If you've been thinking about selling, you've probably seen plenty of headlines suggesting buyers have just about disappeared.

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The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You

Negotiations are back. More buyers are asking for better deals, and more sellers are giving them. Builders are throwing in extras, too.

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Why a Volatile Week Didn’t Create Better Buying Conditions

Market update for the week of July 6 - 10, 2026

© 2026 Hansen-Tyler Team. All Rights Reserved.

Equal Housing Opportunity. CrossCountry Mortgage, LLC. Company NMLS 3029. Branch NMLS 1437924. (www.nmlsconsumeraccess.org)

All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan. For more licensing and disclosures, see crosscountrymortgage.com/licensing-and-disclosures.
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TESTIMONIALS
Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and are for display purposes only.
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REFINANCING
Refinancing may result in higher total finance charges over the life of the loan.
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RATE ASSUMPTIONS
Rates displayed are subject to change and assume that you are buying or refinancing an owner-occupied single-family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Mortgage Experts at (858) 259-8700 for a customized rate and payment quote.

STATE LICENSING
AZ - Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020.
CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act No. 4131098. California - DFPI Residential Mortgage Lending Act License.
CO - Mortgage Company Registration – Regulated by the Division of Real Estate - www.dora.state.co.us/real-estate.
FL - Mortgage Lender Servicer License No. MLD806.
ID - Licensed as a Mortgage Broker/Lender No. MBL-7779. Regulated Lender License RRL-10257.
MI - 1st Mortgage Broker/Lender/Servicer Registrant No. FR0024287. 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0019909.
MT - Mortgage Lender/Broker/Servicer License No. 3029.
NV - NV Mortgage Company License 3259. Supplemental Mortgage Servicer License No. 4352.
OK - Mortgage Broker License No. MB001744. Mortgage Lender License No. ML010107.
OR - Lender License No. ML-4709. Servicer License MS-134.
TN - Mortgage License No. 109408. Industrial Loan and Trust Company Registration No. 3029.
TX - SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029. Texas Rights.
WA - Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-3029.

TEXAS RIGHTS
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
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