mortgage rate in 2026
Mortgage Rates Surge Past 6%: What Retirees Must Do in 2026
Direct answer: Retirees confronting mortgage rates above 6% in 2026 should lock in a lower rate now, explore refinancing options, or downsize to preserve cash flow. These moves are especially urgent as the 30-year fixed rate has risen to 6.56% this week, a level not seen since early 2022.