If you’ve been sitting on the sidelines of the housing market, clutching your pre-approval letter and praying for a miracle, you aren’t alone. Everyone wants to know when we will see those “unicorn” rates again. However, looking at the current economic landscape, the mortgage rate predictions next 5 years point toward a reality that many buyers are struggling to accept: the 3% era is likely in the rearview mirror, and a “new normal” is settling in. The Great Rate Reset: Why 2026 is a Turning Point The last few years have been a rollercoaster for American families. From the stimulus-driven lows to the inflation-fighting highs, the cost of borrowing has…