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Forecast for the week of February 6, 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 were volatile


Mortgage rates improved through the week until Friday's jobs data came in much stronger than expected, pushing rates up to end the week about the same as they started it. The jobs data blew away all expectations, with more than double the expected new jobs created and with unemployment hitting a 53-year low.

This Week's Mortgage Rate Forecast:

Rates could move higher


Average mortgage rates could continue to creep higher this week, after the strong labor numbers gave the Fed more room to continue to raise its policy rate at future meetings to fight inflation. Mortgage rates react to the speculation of moves before they happen, so this opens the door to higher rates now rather than when the Fed actually acts.

What's affecting rates this week:

  • Economic data: A few Treasury auctions and Friday's consumer confidence reading are most likely to affect mortgage rates this week.
  • Inflation: Rates this week may move as traders try to anticipate next week's CPI inflation data, which will set the tone for which direction rates move from here depending on if inflation is still falling and by how much.
  • The Fed: Markets are now pricing in a higher peak before the Fed stops hiking its policy rate, pushing 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