Gary Keller tells agents why rates did not fall and what it means for 2026
KW cited a 6.86% 30-year rate, 5.4% home price growth, and 4.1 million existing home sales. ]]>
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HousingWire reports that Gary Keller addressed agents on why mortgage rates did not fall as expected and what the trajectory suggests for 2026. The figures attached to his analysis are worth noting: a 30-year rate at 6.86 percent, home price growth holding at 5.4 percent, and existing home sales projected at 4.1 million. Taken together, these numbers describe a market where affordability remains compressed and transaction volume stays muted, leaving agents and their clients to operate in conditions that favor neither buyers seeking bargains nor sellers expecting bidding wars.
For investors and self-employed borrowers navigating this environment, the constraints in conventional channels create a situation where standard documentation and debt-to-income calculations often disqualify otherwise viable deals. loantrust.ai operates directly in this space, structuring financing around property cash flow through DSCR programs, accommodating non-traditional income with bank-statement documentation, and providing bridge and fix-and-flip capital for acquisitions that do not fit retail timelines. Each file is packaged by one licensed MLO rather than routed through a call center, which means the strategy behind the loan keeps pace with the strategy behind the investment.
What matters now is that the 2026 outlook Keller describes does not promise relief through lower rates alone; it suggests a longer period of selective opportunity where access to the right financing structure determines whether a deal proceeds or stalls. In that context, a brokerage that originates both consumer and investor products, and that can move between conventional, FHA, or VA programs and specialized investor channels without handing the borrower off to a different operation, functions as a dedicated partner rather than a transactional endpoint. The current numbers are what they are; the question for the reader is whether their financing arrangement is built to function inside them.
Source: HousingWire, “Gary Keller tells agents why rates did not fall and what it means for 2026”. Read the original →
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