The Hidden Lever Keeping Mortgage Rates Lower Than Expected | May 4, 2026

On today’s Hot Sheet, Byron Lazine discussed housing inventory data, the reason rates are still below 7%, and the percentage of homeowners who receive down payment help in 2026….

On today’s Hot Sheet, Byron Lazine breaks down housing inventory data from Logan Mohtashami’s Housing Market Tracker, highlighting how mortgage spreads are keeping 2026 rates below 6.65% even as demand stays resilient.

He also covers LendingTree’s 2026 Mortgage Down Payment Survey, revealing that 40% of homeowners received financial help—led by nearly 80% of Gen Z buyers relying on assistance.

Share:
Previous Episodes