How Stable Mortgage Rates Empower Buyers and Sellers Through 2026

With mortgage rates climbing above 7%—the highest we've seen since January 2025—it’s clear we’re not heading back to those rock-bottom rates anytime soon. Current forecasts say we’ll be living with these numbers through at least 2026. For VA buyers and military families in Duval County, this doesn’t mean hitting pause. Folks are still out there buying and selling, even with tighter budgets. My advice? Get your financial ducks in a row early and look at loan options that give you some flexibility. After nine years helping military families find the right fit (not just whatever sounds good on paper), I know that preparation and a clear plan make all the difference in a shifting market.