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Forecast for the week of January 8, 2024

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


Mortgage rates lost a little bit of ground last week as markets started to doubt the Fed will cut its policy rate at the March Fed meeting. Friday's jobs data also pressured rates a bit higher, showing the labor market remains resilient and making it less urgent for the Fed to cut rates to stimulate the economy.

This Week's Mortgage Rate Forecast:

Rates will move with inflation data


Mortgage rates are not likely to move much higher or lower from where they start the week if inflation data comes in as expected. However, a report that shows inflation is dropping faster or slower than expected could cause rates to move up or down a bit depending on the news.

What's affecting rates this week:

  • Economic data: Consumer and wholesale inflation reports come out near the end of the week, and will help set the direction of mortgage rates for the next couple of weeks.
  • The Fed: Mortgage rates continue to reflect the belief that the Fed will need to cut rates six times in 2024, although Fed officials have been saying it will be less. If markets start to waiver in the belief that the Fed will cut rates dramatically this year to avoid a recession, we could see mortgage rates creep 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