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Forecast for the week of January 9, 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 improved


Mortgage rates improved last week after Friday's jobs data showed job growth came in better than expected while wage gains came in lower, and the ISM services gauge unexpectedly shrank signaling economic contraction. These two events combined shifted the outlook of how aggressive the Fed will be on future rate hikes, which helped mortgage rates improve.

This Week's Mortgage Rate Forecast:

Rates could improve further


This week we could see rates take another step lower, if we get disinflationary CPI consumer inflation data on Thursday. Unless we get a surprise reading showing inflation has increased, rates should remain near these levels or improve this week.

What's affecting rates this week:

  • Economic data: December's CPI inflation report comes out on Thursday and if it shows a third straight month of disinflation as is expected, could help push mortgage rates lower. However, a surprise increase in inflation would be bad for rates.
  • The Fed: If markets continue to believe that the Fed will have to ease off future rate hikes and will be forced to start cutting rates in 2023, mortgage rates will benefit. However, if markets shift to speculating more aggressive Fed rate hikes, that 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