{"id":595608,"date":"2026-01-27T18:30:37","date_gmt":"2026-01-27T18:30:37","guid":{"rendered":"https:\/\/drewdodds.vipmtginc.com\/blog\/?p=595608"},"modified":"2026-01-27T18:30:38","modified_gmt":"2026-01-27T18:30:38","slug":"mortgage-market-update-january-27-2026","status":"publish","type":"post","link":"https:\/\/drewdodds.vipmtginc.com\/blog\/2026\/01\/27\/mortgage-market-update-january-27-2026\/","title":{"rendered":"Weekly Mortgage Market Update: January 27, 2026"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-1024x574.jpeg\" alt=\"\" class=\"wp-image-595609\" style=\"aspect-ratio:1.7846212834187318;width:503px;height:auto\" srcset=\"https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-1024x574.jpeg 1024w, https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-300x168.jpeg 300w, https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-768x430.jpeg 768w, https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-1536x861.jpeg 1536w, https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2026\/01\/AdobeStock_1073660588-2048x1148.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If this is your first time joining us\u2014welcome! Each week, we offer a high-level overview of mortgage rate trends, economic indicators, and market-moving updates to help you stay informed and ahead of the curve.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 <strong>Mortgage Rate Snapshot<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Change since Monday, January 19th (30-year fixed):<\/strong><br>\ud83d\udcc8 <strong>+0.125% (higher week-over-week)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While rates nudged slightly higher this week, markets remain in a \u201cwait and see\u201d mode as investors assess the latest data on inflation, employment, and economic growth.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcf0 <strong>Market Highlights<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83e\uddee <strong>Inflation Cooling, but Gradually<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Core &amp; Headline PCE Inflation (Oct &amp; Nov):<\/strong><br>Both rose by <strong>0.2%<\/strong>, keeping the annual PCE inflation rate at <strong>2.8%<\/strong>\u2014right in line with expectations.<\/li>\n\n\n\n<li>This supports the idea that inflation is <strong>moderating<\/strong>, but not fast enough to guarantee aggressive Fed rate cuts just yet.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83c\udfe6 <strong>Federal Reserve Policy Outlook<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Fed remains <strong>data-dependent<\/strong> and cautious.<\/li>\n\n\n\n<li>While the labor market is showing signs of easing, inflation\u2019s persistence is keeping policymakers in a holding pattern for now.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83c\udfe0 <strong>Housing Market Trends<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pending Home Sales:<\/strong><br>Dropped <strong>9.3% in December<\/strong> and <strong>3% year-over-year<\/strong>, impacted by <strong>tight inventory<\/strong> and <strong>seasonal slowdowns<\/strong>.<\/li>\n\n\n\n<li><strong>Inventory Levels:<\/strong><br>Fell to <strong>1.18 million homes nationwide<\/strong>\u2014one of the <strong>lowest points of 2025<\/strong>\u2014which may be discouraging new buyers even as some markets see increased closings.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udcc8 <strong>Economic Growth Surprises to the Upside<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Q3 2025 GDP:<\/strong><br>Grew at a <strong>4.4% annualized rate<\/strong>, the strongest since Q3 2023.<\/li>\n\n\n\n<li>Key drivers included:\n<ul class=\"wp-block-list\">\n<li>Robust <strong>consumer spending<\/strong><\/li>\n\n\n\n<li>Strong <strong>exports<\/strong><\/li>\n\n\n\n<li>Increases in <strong>business investment<\/strong><\/li>\n\n\n\n<li>Continued <strong>government spending<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udcbc <strong>Labor Market Mixed Signals<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Initial Jobless Claims:<\/strong><br>Remain <strong>historically low<\/strong>, signaling few layoffs.<\/li>\n\n\n\n<li><strong>Continuing Claims:<\/strong><br>Elevated, pointing to <strong>slower reemployment<\/strong>\u2014possibly reflecting the shift toward <strong>gig and contract work<\/strong> in today&#8217;s evolving job market.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd0d <strong>What to Watch This Week<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The spotlight this week is on the <strong>Fed\u2019s upcoming policy meeting<\/strong>, where markets will be looking for any signals about future rate cuts or shifts in tone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key data releases to monitor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Home Price Indexes<\/strong><\/li>\n\n\n\n<li><strong>Jobless Claims<\/strong><\/li>\n\n\n\n<li><strong>Producer Price Index (PPI)<\/strong> \u2013 a key inflation gauge closely watched by the Fed<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">As always, we&#8217;re here to help you navigate the mortgage landscape\u2014whether you\u2019re tracking rates, working with buyers, or simply staying informed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stay tuned, and we\u2019ll keep you posted.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cheers,<br><strong>Drew &amp; Team<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If this is your first time joining us\u2014welcome! Each week, we offer a high-level overview of mortgage rate trends, economic indicators, and market-moving updates to help you stay informed and ahead of the curve. \ud83d\udd39 Mortgage Rate Snapshot Change since Monday, January 19th (30-year fixed):\ud83d\udcc8 +0.125% (higher week-over-week) While rates nudged slightly higher this week, [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":595609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-595608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsletter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Weekly Mortgage Market Update: January 27, 2026 - Drew Dodds<\/title>\n<meta name=\"description\" content=\"Stay informed with our January 27, 2026 mortgage market update. Get insights on rate changes, inflation, housing trends, and what to watch in the week ahead.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/drewdodds.vipmtginc.com\/blog\/2026\/01\/27\/mortgage-market-update-january-27-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Weekly Mortgage Market Update: January 27, 2026 - Drew Dodds\" \/>\n<meta property=\"og:description\" content=\"Stay informed with our January 27, 2026 mortgage market update. 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