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Forecast for the week of January 15, 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 lower


Mortgage rates improved a little bit last week, even though the consumer inflation numbers came in slightly higher than expected. Wholesale inflation was down, but doesn't have as much influence on mortgage rates.

This Week's Mortgage Rate Forecast:

Rates may improve


Mortgage rates could see some more improvement this week if markets continue to bet on Fed rate cuts to start at the March meeting. Despite labor market and economic data that points to the Fed keeping policy rates at current levels, markets believe the Fed will have to start cutting much sooner than it expects if it wants to avoid a recession. Rates are unlikely to move higher unless that belief falters.

What's affecting rates this week:

  • Economic data: A holiday shortened week brings Wednesday's retail sales data and the Fed's Beige Book on the economy. Not much other data to worry about this week.
  • 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