Mortgage interest rates may not be nearly as advantageous at the start of 2026 as they were at the beginning of the decade. But they're materially improved from where they were a few years ago. And that could be more than enough to justify taking action again. Home sales already improved in the final months of 2025 and that could easily continue this year. With multiple mortgage interest rate options currently under 6% , then, and reasons supporting additional rate drops plentiful right now,