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Forecast for the week of December 21, 2020

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 when securing low rates and payments.

Last Week's Mortgage Rate Recap

Rates slightly improved


Average mortgage rates last week remained low, and in some situations were slightly better than the previous week.

This Week's Mortgage Rate Forecast

Rates likely to remain low


Average mortgage rates this week will likely remain about the same, as underlying market conditions slow down ahead of the Christmas holiday. Also, lenders won't be looking to lower rates and take on an influx of new business this week, making it unlikely to see any significant improvement in rates. Rates are not at risk of moving much higher from current levels between now and the end of the year, making it a great time to talk with your local mortgage professional about buying a home or refinancing the home you currently own.

What's affecting rates this week:

  • Economic stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable.
  • Holiday week: Mortgage rates are largely based on the pricing of mortgage bonds, and the bond market will be closed early on Thursday and remain closed on Friday.
  • Lender capacity: Lenders continue to struggle with volume constraints, making it unlikely they would push rates significantly lower this week, although small movements are possible.

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:


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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.

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Hammer Solutions, LLC 260 Leaping Cat Ln Waynesville, North Carolina 28785 United States (973) 200-6808