Tomren Wealth Management

Americans in 2026 are applying for fewer mortgages than they were during the Great Recession.
People aren't staying out of the market because they can't qualify. The market is gridlocked. Here's why. 👇

1️⃣ Millions of homeowners locked in at 3 percent during the pandemic. Selling means giving that up for another mortgage that may have a higher interest rate.

2️⃣ If existing owners aren't selling, inventory can become thin, prices might stay elevated, and buyers wait for something to change.

The better question isn't "When is the right time to buy?" It's "Am I financially ready to move when the right opportunity comes?" 📋

Your retirement plan may cover income, investments, and Social Security — but does it account for future care needs?
Long-term care planning is a conversation many families wait too long to have.
Have you started this conversation with your family or financial professional?👇