Mortgage rate forecast: January 2026
Bankrate analysts and others weigh in on what to expect for mortgage rates in January.
Michele Petry is a senior editor for Bankrate, leading the site’s real estate content since January 2022. Before joining Bankrate she was a writer and editor for StreetEasy, Zillow’s New York City real estate site. Before that, she amassed 20 years of experience on staff at national magazines, honing her skills editing home-based content at House Beautiful, Elle Decor and Veranda (among other titles). Michele earned her journalism degree from Syracuse University’s Newhouse School of Public Communications and is a member of the Society for Advancing Business Editing and Writing (SABEW) and the National Association of Real Estate Editors (NAREE). She lives in Manhattan.
Buying your first home is scary, stressful and thrilling all at once. I couldn’t believe a bank was willing to lend a young, clueless me what seemed at the time like SO. MUCH. MONEY. The fact that it was a New York City co-op apartment, with all the esoteric rules and nerve-racking interviews that includes, made it even more surreal. I know firsthand how important it is to have a knowledgeable real estate agent to guide you through the journey — mine specialized in my neighborhood, knew the building I was buying in specifically, and saved me from making a million naive missteps. I’m happy to use my experience and skills to help others achieve their real estate dreams.
Hire a real estate attorney for any home sale or purchase, even if your state doesn’t require you to. The contracts are complex, and the stakes are high — it’s worth the extra cost to make sure everything is legally buttoned-down.
— Michele Petry
Bankrate analysts and others weigh in on what to expect for mortgage rates in January.
Mortgage rates held steady following the final Fed cut of the year.
Home equity rates held the line post-Fed-cut, while HELOC rates dropped.
Mortgage rates fell a bit this week following the final Fed cut of the year.
Home equity rates held steady as the Fed cu interest rates for the third time in a row.
Mortgage rates rose this week despite a third consecutive Fed cut.
Home equity rates barely budged heading into the final Federal Reserve meeting of 2025. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the fourth straight week, according to [...]
Mortgage rates dropped a bit lower this week in anticipation of another Fed cut.