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Rate Trend Index
Each week, Bankrate.com surveys mortgage experts to gauge the state of mortgage rates over the next 30 to 45 days: Will rates rise, fall or remain relatively unchanged?
Don't lock in This week (Jan. 15 - Jan. 21) the experts say: Mortgage rates could drop still further.
  PANEL:  
Down: 50%
Up: 20% Unchanged: 30%
Half our panelists believe that mortgage rates will drop over the next 30 to 45 days. Thirty percent think rates will remain about the same (plus or minus 2 basis points) during that period. The rest predict that rates will rise.
Graph the trend for mortgages
Archive of Rate Trend Index columns
 
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EXPERT'S COMMENTS:
"It appears that rates are stuck in a wait-and-see mode for now. I expect we will see a fairly tight range for most rates for the foreseeable future."
-- Jason P. Flurry, CFP, LPL Financial, Planmark Capital Management, LLC, Alpharetta, Ga.
RATE VOTE: Unchanged
"Yes! Even lower rates ahead! Softening markets in Europe will restore the U.S. as a 'safe haven' market. Slight deflationary pressure will support low rates through mid-year."
-- Neil Cribb, president, Mortgage Financial Network, Safety Harbor, Fla.
RATE VOTE: Down

• Ready to buy? Save money by using our mortgage rate search tables to find the best deal.

BANKRATE'S ANALYSTS:
"A job hunter's misery is a mortgage hunter's glory. Anemic job growth has pushed long-term rates lower, and is keeping the Fed from any thoughts of boosting rates. Lock now before rates rebound on other, more positive, economic indicators."
-- Greg McBride, financial analyst, Bankrate.com
RATE VOTE: Up

"The disappointing employment report for December will reverberate through the markets for weeks. The economy just isn't creating jobs. Until it does, inflation and interest rates will remain low."
-- Holden Lewis, reporter, Bankrate.com
RATE VOTE: Unchanged

 
 
 
 

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About the Bankrate.com Rate Trend Index

 

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NATIONAL OVERNIGHT AVERAGES
30 yr fixed mtg 5.03%
15 yr fixed mtg 4.53%
5/1 ARM 4.06%
Rates may include points


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