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Forecast for the week of December 11, 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 unchanged


Mortgage rates varied a bit day-to-day last week, but ultimately ended the week basically unchanged. The labor market data showed some softening with less job openings than forecast, but also showed strength with more new jobs created than expected and unemployment falling.

This Week's Mortgage Rate Forecast:

Rates will be volatile


This week brings new inflation data and the Fed meeting, the combination of which will set the tone for mortgage rates through the rest of the year. This week is a good week to stay in close contact with your mortgage professional.

What's affecting rates this week:

  • Inflation data: Consumer inflation comes out Tuesday morning, with wholesale inflation released on Wednesday. If inflation improves more than expected it would help mortgage rates fall further, but the opposite is true if we see inflation data that fails to impress markets.
  • The Fed: The Fed meets this week, and is unlikely to raise its policy rate. However, markets will be looking for updates to the Fed's rate forecast and looking for signs that the Fed is open to cutting rates sooner in 2024. Fed Chair Powell's press conference Wednesday afternoon will likely cause volatility in 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