“As 2026 mortgage rates shift and lending activity accelerates, Amerinote Xchange is positioned to be a stabilizing source of liquidity for note holders and institutions across the country,” said Shemesh.

San Francisco, California - January 22nd, 2026 - As market participants closely monitor 2026 mortgage rates, Amerinote Xchange is entering the year fully capitalized and prepared for what it expects to be a significant increase in lending and transaction activity across the U.S. housing and mortgage markets.

With interest rates showing signs of continued decline, Amerinote Xchange anticipates renewed momentum in homeownership and traditional lending, following several years dominated by elevated rates and alternative financing structures. In response, the company is expanding its acquisition strategy to aggressively purchase residential and commercial mortgage notes across a wide range of asset classes.

“We expect interest rates to continue to drop, and that’s going to spur lending and growth in the homeownership sector,” said Abby Shemesh, Founder of Amerinote Xchange. “As we head into 2026, we’re coming in with our foot on the gas.”

Amerinote Xchange plans to purchase all flavors of residential and commercial performing and non-performing senior debt, with a primary focus on first-position mortgage notes. While the company will continue to evaluate junior liens and second-position notes on a secondary basis, these assets will no longer be a central focus as 2026 mortgage rates reshape market dynamics.

“Seconds were a bigger part of our strategy in previous years,” Shemesh explained. “But as interest rates start to come down, we expect to see much more activity in the primary markets than in specialty areas like junior liens or second-position debt.”

Shifting Market Conditions as Interest Rates Normalize

Over the past several years, higher interest rates significantly altered lending behavior. Specialty products such as bridge loans, hard money lending, and other forms of alternative financing became more prevalent as traditional mortgage activity slowed. According to Amerinote Xchange, this environment created opportunities in niche and specialty markets—but that cycle is beginning to change.

“As rates decline, the market naturally starts to shift back toward primary lending,” said Shemesh. “We’re already seeing signs that traditional mortgage markets are becoming more active again, and that’s where we expect a large portion of opportunity to be in 2026.”

With 2026 mortgage rates expected to influence both borrower demand and institutional lending strategies, Amerinote Xchange is positioning itself to provide liquidity where it is most needed—particularly in the secondary mortgage market.

The company serves a broad range of sellers, including:

• Individual note holders

• Private lenders and corporations

• Banks and credit unions

• Institutional investors

“Our role is to provide liquidity across the board,” Shemesh said. “We serve all markets. We serve all flavors of lenders and sellers.”

Fully Capitalized and Ready to Deploy in 2026

Amerinote Xchange emphasized that it enters 2026 fully capitalized and operationally prepared to scale acquisitions as opportunities arise. This includes purchasing both performing and non-performing mortgage notes across residential and commercial properties nationwide.

“We are fully committed, fully capitalized, and ready to take 2026 on,” Shemesh said. “Our goal is to make this one of our most active and stellar years by providing liquidity to the secondary market for individuals, corporations, and institutions alike.”

The company expects that declining rates will unlock additional supply from note holders who delayed selling during higher-rate periods, as well as from institutions adjusting portfolios in response to changing interest rate conditions.

Monitoring Federal Policy and Treasury Activity

In addition to broader interest rate trends, Amerinote Xchange is closely monitoring recent federal actions that could influence 2026 mortgage rates and long-term housing affordability.

The company noted the recent direction for the U.S. Treasury to purchase up to $200 billion in mortgage bonds, a move intended to encourage institutional rate reductions and stimulate broader lending activity.

“This is something we’re watching very closely,” Shemesh said. “The idea is to spur institutional interest rate reductions and help make homeownership more affordable for the American people.”

Shemesh cautioned that while the policy move is encouraging, outcomes are not guaranteed.

“It’s exciting, but it’s not a sure thing,” she added. “That’s why we’re staying flexible, keeping our eye on interest rates, and being prepared to respond as the market evolves.”

Outlook for 2026 Mortgage Rates and Market Activity

Amerinote Xchange believes that the combination of easing interest rates, policy-driven incentives, and pent-up demand could make 2026 a pivotal year for the mortgage and housing markets.

As 2026 mortgage rates decline, the company expects:

• Increased traditional mortgage origination

• Greater activity in first-position note sales

• Reduced reliance on alternative financing products

• Renewed institutional participation in primary markets

“We’ve been through an unusual market cycle over the last several years,” Shemesh said. “Now we’re seeing the conditions shift, and we’re ready to move with them.”

With nationwide reach, deep experience across asset classes, and a disciplined acquisition approach, Amerinote Xchange aims to remain a reliable liquidity provider regardless of market conditions.

“We’re built to perform in changing environments,” Shemesh said. “And as the market opens up again, we’re ready to deploy capital at scale.”

About Amerinote Xchange

Amerinote Xchange is a national purchaser of residential and commercial mortgage notes, specializing in both performing and non-performing debt. The company works with individual note holders, private lenders, financial institutions, and investors to provide liquidity solutions across the secondary mortgage market.

Media Contact
Company Name: Amerinote Xchange, LLC
Contact Person: Abby Shemesh
Email: Send Email
Address:201 Spear Street 11th Floor
City: San Francisco
State: California
Country: United States
Website: https://www.amerinotexchange.com/