2nd Half 2026 Mortgage Interest Rate Forecast - EP229
Everyone thought mortgage rates would be lower by now... but they were wrong.
Inflation surprised the market, the Fed changed its outlook, and new uncertainty has completely shifted the mortgage rate forecast. In this episode, we break down what happened with mortgage rates in the first half of the year, where rates could go in the second half, and what buyers should focus on instead of trying to perfectly time the market.
We also discuss why predicting mortgage rates is so difficult, what could finally push rates lower, and how to make a smart home buying decision when nobody knows exactly what comes next.
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Topics Covered:
- Why mortgage rates didn’t fall like many expected
- How inflation impacts mortgage rates
- What the Fed’s latest outlook means for buyers
- Why global events can create rate volatility
- Whether mortgage rates could still move lower
- Should you buy now or wait for lower rates?
- The biggest mistake buyers make when trying to time the market
Timestamps:
- 00:00 - Mortgage Rate Forecast: What Changed?
- 00:35 - Why Experts Were Wrong About Lower Mortgage Rates
- 02:10 - How Inflation and Global Events Impact Interest Rates
- 04:25 - The Fed’s Next Move and What It Means For Mortgage Rates
- 07:15 - Will Mortgage Rates Finally Drop Below 6%?
- 10:40 - Why Predicting Mortgage Rates Is So Difficult
- 14:05 - What Lower Rates Could Mean For Home Prices
- 17:30 - Should You Buy A House Now Or Wait For Rates To Fall?
- 21:45 - The Biggest Mistake Home Buyers Make With Interest Rates
- 25:00 - How To Make A Smart Home Buying Decision In Today’s Market
Trying to decide if you should buy a house now or wait for lower mortgage rates? This episode will help you understand the market, avoid emotional decisions, and create a plan based on your goals.