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Forecast for the week of January 18, 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 worse for the week. Rates hit their worst levels on Tuesday, before improving a bit to end the week just slightly worse.

This Week's Mortgage Rate Forecast

Rates likely to remain near current levels, possibly improve slightly


Average mortgage rates will likely stay relatively unchanged this week, but could see rebate pricing move some from day-to-day. Rebate pricing is the credit a lender provides towards closing costs based on what rate you choose, or the cost to obtain a lower rate (often called 'points'). Markets are closed on Monday in observance of Martin Luther King Jr. Day, as are most lenders.

What's affecting rates this week:

  • Fed bond purchases: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable.
  • Economic data: It is a quiet week for economic data, nothing on the calendar that should cause any shakeup with rates.
  • Bond pricing: Lenders set mortgage rates based on the pricing of mortgage bonds, which have been performing poorly over the past two weeks (causing rates to rise). However, mortgage bonds did show signs of improving last week, although we aren't likely to see rates improve too much this week.

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:


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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