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Forecast for the week of May 22, 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 worse


The outlook for mortgage rates unexpectedly shifted last week, as Fed members made it clear that they expected to pause rate hiking in June but were leaving the door open for more hikes in the future if needed. A couple of weeks ago markets had been pricing in Fed rate cuts to begin as early as July, but markets now expecting the Fed to hold rates longer. This shift in outlook has pressured mortgage rates to slowly move higher.

This Week's Mortgage Rate Forecast:

Rates could move higher


With little in the way of economic data and a holiday weekend, it isn't likely we see a change in the current outlook and we could see rates creep slightly higher this week. Rates unlikely to move lower again until the Fed outlook changes.

What's affecting rates this week:

  • Economic data: Little data this week that is likely to affect rates, other than Friday's PCE inflation report.
  • Debt ceiling talks: Although concerns of a U.S. default due to not raising the debt ceiling are having some effects on markets, there hasn't been a spillover into mortgage rates yet and likely wouldn't be unless we start to actually default on debt payments.
  • Fed speakers: Fed members speaking throughout the week could continue to cause rates to creep 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