The latest mortgage data paints a compelling picture for the 2026 outlook. Over the last 12 weeks, we have witnessed a consistent cooling in the 30-year fixed mortgage rate, moving from  ~6.55% in October 2025  down to  ~6.16% as of January 8, 2026 . For the average buyer, this is relief. For the strategic luxury investor, this is a  buy signal . Here is the strategic interpretation for the Kansas City market: Cost of Capital is Improving:  With rates dipping towards the low