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Forecast for the week of January 3, 2022

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 remained low


Average mortgage rates last week were basically unchanged, as investors took the remainder of the year off and markets were quiet. There were no big economic data releases or other events to cause mortgage rates to move.

This Week's Mortgage Rate Forecast:

Rates will remain low, but could worsen slightly


Average mortgage rates remain low, but there are some signs to start the week that we could see rates get a bit worse. Most consumers are more likely to see slightly higher closing costs than actual rate increases though, even if we do see some worsening. The outlook is good that mortgage rates will remain low through January, but could creep up a little bit on concerns about pending Fed rate increases.

What's affecting rates this week:

  • Economic data: A few reports will be released this week, but Friday's job's data is the only one likely to have any effect on rates.
  • Omicron: The latest variant is still playing a small role in rates, as investors remain concerned about high case counts and the possible effect on the global economy.
  • The Fed: The minutes from the Fed's last meeting will be released on Wednesday, and we could see a negative reaction from mortgage rates depending on how investors react to what is in the minutes.

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