Mortgage interest rates have surged nearly half a percent in just a few weeks so have they already bottomed for 2026? In this episode, we break down why global conflict, oil prices, and inflation are pushing rates higher and why the lowest rates of the year may already be behind us. More importantly, we explain what needs to happen for rates to drop again and how homebuyers should be thinking about timing the market right now. If you’re waiting for rates to fall before buying, this is a must-watch before making your next move.

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Timestamps:
00:00 – Have mortgage rates bottomed for 2026?
00:45 – Why rates spiked (global conflict & oil impact)
02:30 – How much rates have actually increased (real vs reported)
03:30 – Comparing past rate spikes vs today
04:30 – Why this time is different (no quick resolution)
05:30 – Inflation, oil, and economic ripple effects
07:30 – Government spending, debt, and rate pressure
09:30 – What needs to happen for rates to fall again
11:00 – Jobs data, inflation, and Fed outlook
13:00 – Can we see lower rates later in 2026?
14:30 – What this means for homebuyers right now
16:00 – Final take: Have we seen the lowest rates of the year?

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Connect with me 👇

Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

Connect with me 👇

Josh Lewis (Huntington Beach Certified Mortgage Consultant)
DRE 01209148
BuyWise Mortgage
M:714-916-5727

#firstimehomebuyers #housing #interestrates