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Forecast for the week of January 3, 2023

Please enjoy this complimentary mortgage rate forecast provided to keep you informed of where interest rates may be headed, and to help you gain the advantage in securing low rates and payments.

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Last Week's Mortgage Rate Recap:

Rates slightly higher


Average mortgage rates crept a bit higher during the holiday shortened week last week, mainly due to conditions caused by low trading volume in the markets. Unfortunately we have seen rates move higher now for two weeks in a row, although not by much.

This Week's Mortgage Rate Forecast:

Rates could improve


This week we could see mortgage rates improve a bit, hopefully recovering some from the increases we saw during the last couple of weeks. All eyes will be on Friday's jobs data, and Friday could be a volatile day for rates.

What's affecting rates this week:

  • Economic data: There isn't much data to worry about this week, but Friday's jobs data has the potential to have a big effect on rates. Markets will be looking for signs of the labor market weakening, and signs of strong wage growth or low unemployment could pressure mortgage rates. This is the last jobs report before the next Fed meeting, so markets will be watching it closely.
  • The Fed: Current mortgage rates are based on the speculation that the Fed policy rate will peak at 4.75% by March. If markets start to believe that the Fed will raise the policy rate higher, based on strong labor data and other strong economic data, it will pressure mortgage rates higher.

If you would like to discuss interest rates further or find out the benefits of locking your rate today, please contact your mortgage professional at or .

Interest Rate Forecast and Commentary provided by:


All information provided is for informational purposes only, and we assume no responsibility to any person who relies on information contained in this report, and disclaim all liability in respect to decisions or actions or lack thereof based on any or all of the contents of this report. This is not an offer to lend.


Hammer Solutions, LLC 260 Leaping Cat Ln Waynesville, North Carolina 28785 United States (973) 200-6808