January 1st, 2026 cover art

January 1st, 2026

January 1st, 2026

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Mortgage Morning — Thursday, January 1, 2026

** HUD Secretary Scott Turner, speaking in a HousingWire interview, said more research is needed before pursuing 50-year mortgage terms, effectively cooling expectations around the idea.

** Turner emphasized the need for mortgage policies that are secure and sustainable, reflecting concern about long-term borrower outcomes and system-wide risk.

** The average 30-year fixed mortgage rate ended 2025 at 6.15%, the lowest weekly level of the year.

** Rocket Companies stock fell roughly 3.5% in year-end trading, signaling continued investor caution around mortgage platforms.

** Rental demand remains elevated in metros like Atlanta, Orlando, and Charlotte.

** Key dates ahead: Monday, January 5th (jobs report) and Friday, January 9th (CPI).
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