Good news for homebuyers: the market is finally giving buyers a little breathing room.

Recent national data shows mortgage rates are coming down, buying power is improving, and more buyers are starting to move again — all signs that homeownership is becoming more achievable as we head into 2026.

Mortgage Rates Are Coming Down — and That Matters 

Mortgage interest rates have dipped to their lowest levels in more than three years, with the typical 30-year fixed rate now sitting in the low-6% range. That’s a noticeable improvement from the mid-to-high 7% rates many buyers were facing earlier in 2025 — and it can make a real difference in your monthly payment.

Even better, at Hartford Homes, buyers may be able to take advantage of rates as low as 3.75%* on select move-in ready homes. For many buyers, that can mean meaningful savings each month and a chance to lock in long-term affordability while conditions are improving.

Lower rates also stretch your buying power. In some cases, buyers can afford tens of thousands more than they could just six months ago — opening the door to more home options, added features, or even a neighborhood that once felt out of reach. (Source)

Buyers Are Starting to Move Again 

We’re also seeing signs of renewed confidence. National data shows existing-home sales jumped more than 5% in December 2025 — the strongest monthly increase in nearly two years. As rates eased and prices stabilized, more buyers felt comfortable taking that next step. While the market was quieter overall in 2025, this late-year momentum is encouraging and points to a more active spring and summer buying season ahead.

What This Means for Hartford Buyers Here’s how today’s market conditions can work in your favor:

• Lower rates can mean lower monthly payments: Even small rate improvements — especially when paired with incentives like 3.75%* financing on select homes — can add up over time.
• More buying power means more choices: Improved affordability may allow you to consider a move-in ready home now or explore flexible build options designed around your lifestyle.
• Growing momentum brings opportunity: As more buyers return to the market, Hartford is ready with available homes, personalized builds, and incentives to help you move forward with confidence.

Your Move Starts Here

With rates easing and buying power improving, this is the kind of moment many buyers have been waiting for. Whether you’re ready to move sooner into a quick move-in home or just starting to explore your options, Hartford Homes is here to help.

Take a look at our available homes, preview estimated monthly payments and connect with our sales team to see how today’s market — including rates as low as 3.75%* on select homes — could work for you. 

👉 View Move-In Ready Homes & Preview Your Payments

Opportunities like this don’t stay open forever — let’s find the home that fits your timing, your lifestyle, and your budget.

*Special financing rate offer paid for by Hartford Homes for select Hartford Homes closed by 3/31/26. Builder to pay up to $24,000 for rate offer. Any remaining buydown fees will be covered by the buyer. Buyer must use Harmony Home Lending, LLC to finance the loan. ** Year one payment based on rate of 3.75%. Year two payment based on 4.75% and years 3-30 payment based on rate of 5.75%. *2/1 Buydown interest rates based on a 30-year fixed rate loan with a 10% down payment on a $450,000 loan amount and assumes a minimum 780 credit score for the borrower. For a $450,000 loan, the monthly Principal & Interest (P&I) payment is $2,626.08 for year 1, the monthly P&I payment for year 2 is $2,347.41, and the monthly P&I payment for years 3-30 is $2,084.02. Loan will have a 5.8269% Annual Percentage Rate (APR). All estimated monthly payments do not include tax, insurance premiums, or mortgage insurance (MI). Rates are effective as of 1/22/26 are for illustrative purposes only and are subject to change. Offer valid on Hartford Homes closed by 3/31/26. Loan must close with Harmony Home Lending, LLC (Company NMLS 2128390). Corporate phone: 970-797-3335. Not a commitment to lend. Borrower must meet qualification criteria.