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Forecast for the week of January 24, 2022

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 worse


Average mortgage rates ended last week just slightly worse, improving as the week went on after opening Tuesday with worse rates (markets were closed Monday in observance of MLK Day). Mortgage rates have moved higher to start the year as the economy and labor market return to pre-pandemic levels.

This Week's Mortgage Rate Forecast:

Rates could be volatile


Mortgage rates should be stable and possibly slightly better to start the week, but Wednesday's Fed meeting policy statement and press conference are likely to cause volatility. It is a good idea to stay in contact with your mortgage professional this week, especially if you are at a point in your mortgage process where you are considering locking.

What's affecting rates this week:

  • Fed Meeting: This week's Fed meeting is likely to cause rates to move, with a higher likelihood that rates could get worse rather than improve. Investors will be looking for signs of how aggressive the Fed will be in fighting inflation, as well as signs of when the Fed will begin reducing its balance sheet.
  • Concerns over Russia and Ukraine: Escalating tension in the region is pushing investors to take a risk-off stance, helping bonds to improve which helps mortgage 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 .

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