Mortgage rates continue to remain in a narrow range into 2026. The 30-year fixed mortgage rate has hovered within 11 basis points of its 2025 low since October 23. The national average 30-year rate is now 6.16%, according to Freddie Mac. So, what does this mean for the 2026 housing market? Will mortgage rates continue to go down? What will it take to push rates lower? Mortgage rates have generally been falling since the end of May. Weekly moves are small, but longer-term changes are more apparent. Howe ...