economy
January 8, 2026
3 reasons mortgage rates could fall again soon
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TL;DR
- Mortgage rates experienced significant declines in late 2025, reaching 3-year lows.
- Current average rates for a 30-year mortgage in early 2026 are around 5.99%.
- Three factors could lead to further mortgage rate decreases: a rise in the unemployment rate, a fall in the inflation rate, or additional Federal Reserve rate cuts.
- Upcoming economic reports on unemployment (January 9) and inflation (January 13) will be key indicators.
- The Federal Reserve's next meeting is on January 28, with current expectations for a rate cut being low but subject to change.
- Mortgage rates can adjust even before Fed announcements, as lenders often price in future changes.
- Borrowers are advised to monitor the mortgage rate climate daily for opportune moments to act.
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