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Forecast for the week of January 17, 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 slightly lower


Average mortgage rates improved a bit further last week, with consumer inflation data coming in that showed inflation was moving lower, as economists had forecast. Although we didn't see a big drop, the small improvement was welcome, with rates much lower than the highs near the end of 2022.

This Week's Mortgage Rate Forecast:

Rates likely to hold steady


This week mortgage rates are likely to be relatively unchanged, with some small day-to-day movement but not any big moves for the week. Mortgage rates are likely to hold near current levels this week and next week, ahead of the Fed meeting at the end of the month.

What's affecting rates this week:

  • Economic data: Wholesale inflation data comes in on Wednesday, and economists are expecting wholesale inflation to be cooling alongside consumer inflation. Also on Wednesday the retail sales data comes out, and if it shows spending is falling would help support lower mortgage rates.
  • The Fed: Current mortgage rates are based on the speculation that the Fed policy rate will peak at 4.75% by March. If markets start to believe that the Fed will raise the policy rate higher, based on strong economic data, it 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