1️⃣ The "5.8% Forecast": Breaking the Psychological Barrier For a long time, the 6% mark has been a major psychological hurdle for buyers. Thanks to the government-sponsored enterprises (GSEs) stepping in to purchase $200 billion in MBS, we are seeing a direct downward pressure on rates. The New Reality: While we previously expected rates to average 6.1%, the new forecast for 2026 is now 5.8%. Immediate Impact: Mortgage News Daily already recorded a 30-year rate of 5.99% last week. Monthly Savings: A 0.33% reduction in rates translates to approximately $60 in monthly savings on a typical new mortgage. Over time, this significantly increases your total purchasing power. 2️⃣ More Houses on the Market, More Buyers in the Game The "Rate-Lock Effect"—where sellers stay put because they don’t want to give up their low pandemic-era rates—is finally beginning to ease. Increased Listings: As market rates fall closer to sellers' original locked-in rates, more homeowners are feeling comfortable listing their homes and moving.…