Kristen Ambos, a top loan officer in Wisconsin, dishes out the real scoop on the mortgage market’s upcoming transformation. With 50% of Americans now holding mortgages over 6%, 2026 promises a resurgence in housing activity. Kristen highlights the importance of understanding loan terms beyond just chasing low rates—beware of predatory lending! As we return to pre-pandemic market norms, expect more inventory, stable prices, and a balanced buyer-seller dynamic. She emphasizes preparation, transparency, and choosing the right loan officer to navigate these changes. Get ready, 2026 is shaping up to be a game-changer for homebuyers!