Mortgage rates in 2026 are on every potential homebuyer’s mind, and for good reason. After years of volatility, many buyers are stuck between two questions: is now finally a reasonable time to buy, or is it worth waiting for rates to come down further? After following the data closely and speaking with buyers on both sides of the border, my honest answer is that the picture is clearer than it has been in some time, and the strategy question matters far more than the timing question at this point.
