--- title: Four Tailwinds for Housing description: 2019 was a good year and the data suggests the good times should continue well into the spring of 2020 making it a historic opportunity to have both a strong economy and low rates. image: https://info.carringtonmortgage.com/hubfs/Market_Trends_2019-12-16.jpg --- [Skip to content](https://info.carringtonmortgage.com/knowledge-base/four-tailwinds-for-housing#main-content) ![bell icon](https://info.carringtonmortgage.com/hubfs/raw_assets/public/Templates/2022/svg/Alert-Notifications-Icon.svg) [![Carrington Mortgage Services](https://info.carringtonmortgage.com/hs-fs/hubfs/carrington_logo_final_2col_rgb.png?width=250&height=57&name=carrington_logo_final_2col_rgb.png)](https://www.carringtonmortgage.com) - [About Us](https://www.carringtonmortgage.com/our-mission) - [Careers](https://www.carringtonhc.com/careers) - [Investors](https://www.carringtonhc.com/investors) - [Contact Us](https://www.carringtonmortgage.com/contact-us) [Recent Transfer](https://www.carringtonmortgage.com/new-customers) [Customer Login](https://www.carringtonmortgage.com/login) MAKE HOME WORK Manage My Home arrow-down-anticon/submenu Manage My Mortgage arrow-down-anticon/submenu Learning Center MAKE HOME WORK Manage My Home arrow-down-anticon/submenu - I Am Ready to Start - [Buy a Home](https://www.carringtonmortgage.com/home-loans/buy-a-home/check-existing-customer) - [Refinance My Home](https://www.carringtonmortgage.com/home-loans/refinance-a-home/refinance-step) - What Loan Is Right For Me? 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Many are asking “What should we expect for housing, and thus lending, as we enter 2020?” The answer: 2020 may even be better for both. **Tailwinds for Housing in 2020 include:** 1. **Housing starts of single-family homes are expected to hit the 1M mark for the first time in 12 years.** This should help add to much-needed inventory in many parts of the country. 2. **In the final Jobs Report for 2019, which was November, the unemployment rate ticked down to 3.5%, a 50+-year low,** while we created a massive 266,000 new jobs. Jobs buy homes, not rates. This kind of labor market strength heading into 2020 should further boost the housing sector. 3. **The Fed is not likely going to cut or hike rates in 2020,** unless new economic threats emerge – **meaning short-term interest rates are not likely to move much,** if at all. 4. **Inflation remains low. Inflation is the main driver of long-term rates like mortgage rates.** In the absence of any unforeseen pickup in inflation, **home loan rates should remain relatively close to current levels for the foreseeable future.** **Bottom line:** 2019 was a good year and the data suggests the good times should continue well into the spring of 2020 making it a historic opportunity to have both a strong economy and low rates. ## Related Articles [![Market\_Trends\_2019-07-08](https://info.carringtonmortgage.com/hubfs/Market_Trends_2019-07-08.jpg)](https://info.carringtonmortgage.com/knowledge-base/goldilocks-scenario-for-housing-continues) [Market Trends](https://info.carringtonmortgage.com/knowledge-base/tag/market-trends) ### [Goldilocks Scenario for Housing Continues](https://info.carringtonmortgage.com/knowledge-base/goldilocks-scenario-for-housing-continues) **Last Week in Review:** Goldilocks Scenario for Housing Continues... 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