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Mortgage Interest Rates Forecast
Mortgage rates were flat this week at 6.14% APR, but new jobs and inflation data point toward possible downward movement ahead.
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Lead Writer & Content Strategist
- Home equity
- first-time home buying
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Taylor Getler is a home and mortgages writer for NerdWallet. Her work has been featured in outlets such as MarketWatch, Yahoo Finance, MSN and Nasdaq. Taylor is enthusiastic about financial literacy and helping consumers make smart, informed choices with their money.
Editor & Content Strategist
- Mortgage lenders and homebuying
Dawnielle Robinson-Walker supported content creation across verticals at NerdWallet as an at large editor before landing on Home mortgages in 2024. She spent over 16 years teaching college creative writing and African-American literature courses, as well as writing and editing for various companies and online publications. Prior to joining NerdWallet, she was an editor at Hallmark Cards. A Kansas City, Missouri native, barbecue sauce runs through her veins — and she'll never bet against the Chiefs.
Average mortgage rates hovered near 6% for the past seven weeks, and the 30-year fixed rate averaged 6.02% APR for the week ending Jan. 8. With the next Federal Reserve meeting scheduled for late January and most analysts expecting no change to the federal funds rate, lenders may not see their funding costs shifting much — a setup that points to mortgage rates staying flat for now.
That outlook lines up with what markets are seeing in recent economic data. December’s jobs report showed slower hiring alongside a dip in unemployment, leaving investors without a clear signal on where the economy is headed next.
January mortgage rates forecast
Several Federal Reserve officials are scheduled to speak ahead of the Jan. 27–28 meeting, though much of that commentary may be overshadowed by questions around the Fed’s independence following recent Justice Department subpoenas involving Chair Jerome Powell. With mortgage rates likely to stay fairly steady, homeowners thinking about refinancing may still find opportunities, even without a big market shift.
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on NBKC
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4.5
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4.5
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5.0
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4.5
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on Rocket Mortgage
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4.0
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on Figure
Figure
4.0
NerdWallet rating4.0
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on Figure
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on Figure
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on Figure
on New American Funding
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5.0
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NerdWallet rating620
on New American Funding
on FourLeaf Federal Credit Union
FourLeaf Federal Credit Union
5.0
NerdWallet rating5.0
NerdWallet ratingN/A
on FourLeaf Federal Credit Union
Mortgage loans from our partners
on NBKC
NBKC
4.5
NerdWallet rating4.5
NerdWallet ratingon NBKC
on New American Funding
New American Funding
4.0
NerdWallet rating4.0
NerdWallet ratingon New American Funding
on GO Mortgage
GO Mortgage
4.0
NerdWallet rating4.0
NerdWallet ratingon GO Mortgage
on Rocket Mortgage
Rocket Mortgage
4.5
NerdWallet rating4.5
NerdWallet ratingon Rocket Mortgage
on Veterans United
Veterans United
5.0
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on NBKC
NBKC
5.0
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NerdWallet ratingon NBKC
on New American Funding
New American Funding
4.0
NerdWallet rating4.0
NerdWallet ratingon New American Funding
on Rate
Rate
4.5
NerdWallet rating4.5
NerdWallet ratingon Rate
on Rocket Mortgage
Rocket Mortgage
4.5
NerdWallet rating4.5
NerdWallet ratingon Rocket Mortgage
on GO Mortgage
GO Mortgage
4.0
NerdWallet rating4.0
NerdWallet ratingon GO Mortgage
on NBKC
NBKC
5.0
NerdWallet rating5.0
NerdWallet ratingon NBKC
on Rocket Mortgage
Rocket Mortgage
4.5
NerdWallet rating4.5
NerdWallet rating3%
on Rocket Mortgage
on New American Funding
New American Funding
4.0
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on First Federal Bank
on Figure
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4.0
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on Figure
on New American Funding
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5.0
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on New American Funding
on FourLeaf Federal Credit Union
FourLeaf Federal Credit Union
5.0
NerdWallet rating5.0
NerdWallet ratingN/A
on FourLeaf Federal Credit Union
on Rate
Rate
4.5
NerdWallet rating4.5
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on Rate
on AmeriSave
AmeriSave
5.0
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on AmeriSave
on Figure
Figure
4.0
NerdWallet rating4.0
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on Figure
on New American Funding
New American Funding
5.0
NerdWallet rating5.0
NerdWallet rating620
on New American Funding
on FourLeaf Federal Credit Union
FourLeaf Federal Credit Union
5.0
NerdWallet rating5.0
NerdWallet ratingN/A
on FourLeaf Federal Credit Union
on NBKC
NBKC
4.0
NerdWallet rating4.0
NerdWallet ratingon NBKC
on Rate
Rate
4.5
NerdWallet rating4.5
NerdWallet ratingN/A
on Rate