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Updated: January 20, 2026

Why Choice Matters More Than Rates in 2026

[Opening Scene- on camera, conversational tone]

Agent:

Everyone’s watching mortgage rates — but in 2026, the bigger shift isn’t rates… it’s inventory.


During 2024 and 2025, millions of homeowners wanted to sell but didn’t. They were locked into low rates, uncertain about the economy, or waiting for the ‘right’ moment. That created a backlog of sellers sitting on the sidelines.


In 2026, that backlog is finally moving. Rates have stabilized, life events can’t be postponed forever, and sellers are re-entering the market — creating a surge of new listings buyers haven’t seen in years.


A quarter-point rate drop helps — but choice helps more. More homes mean buyers can compare, negotiate, and walk away if something doesn’t fit. That flexibility matters far more than shaving a few dollars off a monthly payment.


With more inventory, buyers regain control. Less panic, fewer bidding wars, and more room to negotiate price, credits, and terms — something buyers simply didn’t have in 2025.

[Closing Scene]

Agent:

In 2026, the power shift isn’t about timing rates — it’s about having options. If you want help navigating this new wave of inventory and buying with leverage, let’s talk.

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