Predicted Mortgage Rates 2026. Many experts anticipate rates could hover between 4.5% and 5.5% by the end of 2026. Algorithmic projections from longforecast, suggest a notable decrease in mortgage rates by 2026.

The esr group’s latest forecast sees mortgage rates closing 2025 and 2026 at 6.5% and 6.3%, respectively, up from the previous forecast of 6.2% and 6.0%. The big picture is that mortgage rates are predicted to decline gradually over the next few years.