Mortgage Rate Forecast

Historical Rates + Future Projection

FRED API (Live) · Updated: 7/6/2026, 8:16:02 PM

Notify me when rates drop belowCurrent: 6.43%

Current 30Y FixedPMMS

6.43%

Latest Data

Jul 2027 ForecastFNMA

6.30%

↓ 0.13% from current

Jul 2027 Moving AvgSMA

6.39%

↓ 0.04% from current

Jul 2027 ForecastWF

6.20%

↓ 0.23% from current

Lock vs Float Indicator

Lock

Float

30-day avg: 6.55%

FLOAT

Low6.46%

High6.64%

Avg6.55%

NOW: 6.56%

History Range

Forecast Range

30-Year Fixed Mortgage Rate

1 Year History + 1 Year Forecast

Historical

Fannie Mae

Moving Average

Wells Fargo

Period High

6.75%

Period Low

5.98%

Period Avg

6.33%

Current vs Avg

+0.10%

FAQ

Data Sources

Historical Data

Weekly 30-Year Fixed Rate Mortgage Average (PMMS) from Freddie Mac's Primary Mortgage Market Survey.

Fannie Mae Forecast

Quarterly forecasts from Fannie Mae's Economic and Strategic Research Group based on macroeconomic models.

Moving Average Forecast

Statistical forecast using a simple moving average of historical rates to project future movements.

Wells Fargo Forecast

Quarterly mortgage rate forecasts from Wells Fargo's Economic Outlook based on proprietary models.

Rate forecasts are based on Treasury futures data and historical spread analysis. This is for informational purposes only and should not be considered financial advice.

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Mortgage Rate Forecast

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The Conventional Mortgage Master Guide (2026 Edition)

The FHA Mortgage Master Guide (2026 Edition)

The VA Loan Master Guide (2026 Edition)

The USDA Loan Master Guide (2026 Edition)

The HELOC Master Guide (2026 Edition)

The Bank Statement Mortgage Master Guide (2026 Edition)

The 1099 Income Loan Master Guide (2026 Edition)

The P&L Statement Loan Master Guide (2026 Edition)