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Forecast for the week of January 22, 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 moved higher


Mortgage rates are heavily influenced right now by speculation of when and how much the Fed will cut its policy rate this year. Last week mortgage rates moved higher as markets started to give up on the idea that the Fed will have to start cutting its rate in March to head off a recession.

This Week's Mortgage Rate Forecast:

Rates could creep higher


Although starting the week off a little bit better than Friday, mortgage rates could move higher this week if we continue to see markets give up on a March Fed rate cut. The likely best case scenario is that rates hold steady, because it is unlikely they will improve much from here this week.

What's affecting rates this week:

  • Economic data: Thursday brings the preliminary 4th qtr GDP, along with unemployment claims. Friday we get the PCE inflation data, the Fed's favored inflation gauge, which could influence rates to end the week.
  • The Fed: Markets have been pricing in a Fed rate cut in March the last few weeks, which helped mortgage rates fall from October highs. However, markets are finally listening to Fed members who say a March cut is unlikely, causing rates to creep up, but there is room for rates to move higher yet.

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