Happy New Year from Town Team Mortgage! As we settle into January, the holiday decorations are coming down, and the 2026 real estate market is starting to pick up speed. While it might still be chilly outside in Chicago, the "spring" market usually begins much earlier than the weather suggests. If you’re planning to buy a home or refinance this year, January is the most critical month for preparation. Town Team Mortgage is here to help you prepare!

The new week brings a modestly improving backdrop for buyers and homeowners. Rates eased from recent peaks, inventory is trending higher than last year, and the Federal Reserve cut its policy rate by 25 basis points

The dog days of summer are here. Mortgage market keeps shifting, but the skies over Chicago this weekend promise a show worth looking up for. Whether you're checking out open houses or camped out by the lakefront, here’s your quick update on what’s happening in housing, the economy, and our hometown.