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Forecast for the week of July 31, 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


Mortgage rates saw a lot of volatility last week, improving on Wednesday after the Fed meeting only to jump unexpectedly on Thursday when economic data came in showing the economy is not slowing down at all and a recession is unlikely. Rates rebounded a bit on Friday, but still ended the week higher.

This Week's Mortgage Rate Forecast:

Rates could move higher


Mortgage rates are more likely to creep higher than to improve much, but a lot depends on the jobs data that comes in this week. Rates are not likely to move significantly lower from here unless we see signs of labor market weakness and a slowing economy, which doesn't look likely.

What's affecting rates this week:

  • Economic data: There are multiple reports this week about the labor market, but Friday's jobs and wage data are most likely to have the biggest effect. Signs of a strong labor market with lots of new jobs created and low unemployment could push rates higher. Data showing labor market weakness would be a surprise.
  • The Fed: With lots of data between now and the September Fed meeting, mortgage rates do not yet reflect any future Fed rate hikes. If expectations grow the Fed will continue hiking, mortgage rates will move 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