Spring Buyers Have More Leverage Than They’ve Had in Years

Inside Lending – Week of April 13, 2026

QUOTE OF THE WEEK

“Success is where preparation and opportunity meet.”—Bobby Unser,  American automobile racer

NATIONAL MARKET UPDATE

Housing conditions remain favorable for buyers as inventory continues to exceed last year’s levels and prices trend lower. Even with recent rate volatility, the market is offering more options and improved negotiating power this spring.

New listings pulled back sharply last week, reflecting a combination of vacation timing and rising mortgage rates. Sellers appear to be pausing amid uncertainty, though this will be an important trend to watch as peak season continues.

Mortgage credit availability increased in March, signaling slightly improved access to financing. While affordability challenges remain, easing credit conditions could help support buyer activity as the market moves deeper into the spring cycle.

REVIEW OF LAST WEEK

SELL-OFF RETURNS…Stocks moved lower last week as renewed volatility and rising concerns around inflation and interest rates pressured markets across all major indexes.

Bond yields remained elevated as investors continued to weigh inflation risks tied to energy prices and broader economic uncertainty. Markets reacted to shifting expectations around Federal Reserve policy and incoming economic data.

Despite market weakness, underlying economic fundamentals remain relatively stable. The labor market continues to show resilience, and housing trends remain supported by increased inventory and moderating prices.

The week ended with the Dow down 2.5%, to 39,593, the S&P 500 down 3.5%, to 5,268, and the Nasdaq down 4.3%, to 16,387.

Bond markets experienced modest pressure as inflation concerns persisted. Mortgage rates remained elevated and volatile, reflecting ongoing uncertainty around inflation and Fed policy direction.

DID YOU KNOW…Inventory has now exceeded year-ago levels for multiple consecutive weeks, giving buyers more leverage and creating stronger opportunities during the spring homebuying season.

THIS WEEK’S FORECAST

RETAIL SALES, CPI, FED OUTLOOK…Markets will focus on upcoming inflation and retail sales data for signals on consumer strength and price pressures. These reports will help shape expectations around the timing of future Federal Reserve policy moves. Recent consumer sentiment data points to growing caution among households, as inflation concerns and economic uncertainty begin to weigh on confidence. If sustained, this could slow spending and temper housing demand in the near term.

FEDERAL RESERVE WATCH

Forecasting Federal Reserve policy changes in coming months. Markets currently expect policymakers to stay on hold as they evaluate recent inflation pressures and softer consumer sentiment. The Fed is likely to emphasize caution as it balances persistent price risks with evolving economic conditions. Note: In the lower chart, the 1.6% probability of change means there’s a 98.4% probability the rate will stay the same. Current rate is 3.50%–3.75%.

AFTER FOMC MEETING ON: CONSENSUS

Apr 29th 3.50%-3.75%

Jun 17th 3.50%-3.75%

Jun 29th 3.50%-3.75%

Probability of change from current policy:

AFTER FOMC MEETING ON: CONSENSUS

Apr 29th 1.6%

Jun 17th 2.0%

Jun 29th 6.3%

BUSINESS TIP OF THE WEEK

To stay fresh, regularly ask yourself why you do what you do, what sets you apart from the competition, and what values guide you. The answers are key to crafting authentic messages that resonate with your audience but can evolve over time.

This market is rewarding buyers who are prepared.

With more inventory, better negotiating power, and financing options slowly improving, there’s real opportunity right now—but only if you have a smart plan.

A Mortgage Strategy Call is where we look at your full picture: • your buying power • payment comfort zone • timing • rate options • and the best way to move in today’s market

No pressure. No sales pitch. Just clear advice so you can make a confident decision.

👉 Schedule your Mortgage Strategy Call here: https://www.kevinbrierton.com/call

The right strategy can make all the difference this spring.