US Mortgage Rate Forecast: 5-Year Outlook

Slide 1
Mortgage rates across the U.S. are expected to stay volatile in the near term, driven by inflation trends, economic growth, and Federal Reserve policy.

Slide 2
Most U.S. forecasts suggest rates may gradually decline over the next 5 years, but they are unlikely to return to the ultra-low levels of 2020–2021.

Slide 3
Long-term U.S. factors — including federal debt, global economic pressure, and housing demand — may keep mortgage rates structurally higher.

Slide 4
Waiting for perfect rates isn’t realistic—plan around affordability and timing.