Morgan Stanley strategists believe 30-year fixed mortgage rates could temporarily dip to between 5.50% and 5.75% around the middle of 2026, before moving higher again. Curinos, a mortgage analytics firm, sees a similar pattern, though its outlook puts the low point slightly higher, at about 5.8%. Curinos expects that dip to be short-lived. In its quarterly forecast, mortgage rates fall in the second quarter before edging back up in the second half of the year. Key Takeaways Mortgage rates are finally coming ...

Key Takeaways What the Latest Forecasts Say About Mortgage Rates in 2026 Deciding when to buy a home is never easy—and heading into 2026, the question is as pressing as ever. Buyers weighing their options may be wondering whether this is finally the year mortgage rates will start to ease meaningfully. Part of the challenge is how unpredictable mortgage rates can be. They're shaped by a wide range of forces, from inflation trends and housing data to movements in the bond market. And while the Federal Reserve ...

Core Insights - Mortgage rates are projected to finish 2025 at 6.4 percent and 2026 at 5.9 percent according to Fannie Mae's Economic and Housing Outlook [1] Group 1 - The forecast indicates a decline in mortgage rates over the next two years, suggesting a potential easing of borrowing costs for consumers [1] - The data is derived from the September 2025 Economic and Housing Outlook report by Fannie Mae's Economic and Strategic Research Group [1]