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Mortgage rates are great news for folks already doing well
Los Angeles Times
|February 28, 2026
It is the other America that has been suffering. Politicians should ensure that everyone feels democracy’s benefits.
JOE RAEDLE Getty Images.
A HOUSE for sale in Hollywood, Fla. People who can afford down payments will save as rates fall.
THERE WAS A McDonald’s in my neighborhood that we would drive by often when I was growing up. Each time, I would read about the weekly sale advertised on the marquee underneath the golden arches. Occasionally, I would ask my folks if we could stop at that McDonald's on the corner. And each time their answer was: “Do you have McDonald’s money?”
There’s a grownup version of that conversation as well. For the first time in nearly four years, mortgage rates have dropped below 6%. But just how many Americans have home-buying money right now?
Half of us struggle to pay our monthly mortgage or rent, according to a recent survey. More than 80% of prospective buyers said last year that difficulty coming up with a down payment plus closing costs was holding them back.
For folks who can buy a home, the falling mortgage rates are great news: Even just one percentage point can represent tens of thousands of dollars over the life of a mortgage.
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