2026 Mortgage Interest Rates Forecasted

Experts see gradual ↓, possibly below 6% for first time since 2022, shaped by economic conditions.
Forecast: avg 6.1%, low 5.7%, high 6.5%; avg is ↓0.2 points from December 2025.
Rossman expects ~5.5% avg, citing anticipated Federal Reserve cuts, inflation, and economic uncertainties.
Lower rates could spur first-time buyers and relocations; refinancing from 7.25% to 6% may save >$330 monthly.
Buyers urged to compare lenders, boost credit above 780, and avoid timing; refinance later if rates ↓.