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2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything
Want lower mortgage rates? One economic “X factor” could give them to us. It’s time for our 2026 mortgage rate predictions!
Is this the year we get back into the 5% mortgage rate range? It might be more likely than you think. But two things are currently holding mortgage rates in limbo, keeping the housing market “stuck” as buyers beg for a more affordable interest rate. These crucial factors could finally budge, and if/when they do, big changes to mortgage rates could follow.
For four years, Dave has been sharing his mortgage rate forecast leading up to the new year—and he’s been right…
The skinny
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