Mortgage Affordability Improvements for Borrowers | “Your dream home, guided by a local team you can trust.”

Median mortgage payment ↓ to $2,025 in December, a 4.8% drop from a year ago.
Affordability gains mainly benefit wealthier borrowers; FHA applicants see smaller improvements.
62% surveyed say buying a home in 2026 is 'unrealistic' due to high costs and limited inventory.
Downpayments rose 118% from Q3 2019 to Q3 2025, creating barriers for first-time buyers.
MBA expects moderating home-price appreciation, but affordability gains for lower-income buyers may be slow to arrive.