The 2026 spring housing market shows modest price gains and improved affordability due to lower early-year mortgage rates and rising inventory. Home price growth was 0.4% in March, with affordability at a four-year high in most major markets. Inventory rose 8% year-over-year but remains below pre-pandemic levels, especially in the Northeast. Refinance activity declined as higher rates reduced eligible borrowers. Market conditions vary widely by region and price point, requiring tailored strategies for lenders.
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