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Mortgage rates have been dropping… and I think the data says this move could stick into 2026. 📉🔥 Here’s why: inflation = the playbook, and CPI is heavily driven by “shelter” (rent owner’s equivalent rent) — which is known to lag real-time rent trends. Right now CPI shelter is still showing roughly ~3% YoY, but more current rent data is cooler… and when that lag catches up, rates typically follow. And the market is already reacting: purchase apps 16% WoW and refis 40% WoW. 👀🏡 If you’re a savv
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