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Forecast for the week of December 6, 2021

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 erratic but slightly better


Average mortgage rates last week were as erratic as expected, with rates remaining relatively stable but rebate pricing fluctuating day-to-day. Rebate pricing is the credit you get from your lender towards closing costs, or the fee you pay to get a lower rate - often called 'points'.

This Week's Mortgage Rate Forecast:

Rates could slightly worsen


This week we expect rates to remain low, with variations in day-to-day rebate pricing as markets continue to deal with news about omicron and react to concerns about inflation and the Fed raising policy rates sooner in 2022. Rates could creep up slightly later in the week.

What's affecting rates this week:

  • Economic data: Treasury auctions could have a small effect on rates this week, along with data on inflation that will be released on Friday.
  • Omicron: News on the latest covid variant will play a role in rates this week as investors assess the risk to the global economic recovery.
  • The Fed: Although the Fed's meeting isn't until next week, mortgage rates could be affected by market speculation on what the Fed will say next week regarding tapering bond purchases at a quicker pace and when the Fed projects the first policy rate increase in 2022.

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