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Forecast for the week of January 11, 2021

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 when securing low rates and payments.

Last Week's Mortgage Rate Recap

Rates slightly worse


Average mortgage rates remained low but were slightly worse ending the week, as Democrats won both Georgia Senate seats and control of the House, Senate, and Presidency.

This Week's Mortgage Rate Forecast

Rates likely to worsen


Average mortgage rates will likely get worse this week as markets anticipate much more fiscal stimulus to come when President-Elect Biden takes office. Now that Democrats have control of Congress, it makes it easier to roll out new fiscal stimulus plans with multi-trillion dollar price tags. The plans would be paid for with additional debt, pressuring Treasury yields higher and causing mortgage bonds to lose value, which would pressure mortgage rates to creep up higher.

What's affecting rates this week:

  • Economic stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable, even in a rising rate environment.
  • Economic data: Reports on inflation, as well as a couple of Treasury auctions, could put some pressure on mortgage rates this week.
  • Economic recovery: With vaccine distribution, fiscal stimulus, and job creation in some sectors despite rising virus numbers, markets remain optimistic of the economic recovery, pressuring rates.

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 .

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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.

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