Expert poll: Mortgage rate trend predictions for April 9 - 15, 2026

Sean P. Salter, Ph.D.

Associate Professor of Finance and Dale Carnegie Trainer, Middle Tennessee State University , Murfreesboro , TN

With inflation expectations on the rise and the 10-Year Treasury rising, I expect mortgage rates to follow.

Melissa Cohn

Regional Vice President, William Raveis Mortgage

Mortgage rates are declining this week as a two-week ceasefire is agreed upon with Iran. Oil prices have tumbled and bond yields have followed suit. How long this will last is unknown but it will give borrowers at least a brief respite with mortgage rates.

Heather Devoto

Vice President, Branch Manager, First Home Mortgage , McLean , VA

We are looking for rates to decline in the week ahead following continued de-escalation in the Middle East.

Dick Lepre

Senior Loan Officer, Realfinity , Alamo , CA

The Iranian ceasefire will diminish anxiety for at least the next two weeks, keeping rates flat or slightly lower.

Les Parker, CMB

Managing Director, Transformational Mortgage Solutions , Jacksonville , FL

Mortgage rates will go down. With Operation Epic Fury drawing to a close, expect the free flow of oil through the Strait of Hormuz to follow. Hence, long-term anticipated inflation continues to trend down slowly.

James Sahnger

Mortgage Planner, C2 Financial Corporation , Palm Beach Gardens , FL

A week from now, if the U.S. and Israel remain in a ceasefire with Iran and tanker traffic continues to move through the Strait of Hormuz, oil prices should continue to ease, helping to temper inflation concerns. That said, uncertainty remains. Tomorrow’s PCE report won’t yet reflect March’s oil price movement, so its impact may be limited. Still, if geopolitical tensions stay contained, the outlook improves. The optimistic view is that calmer conditions persist over the next week, allowing mortgage rates to drift modestly lower.

Mark Hamrick

Washington Bureau Chief, Senior Economic Analyst for Bankrate

There’s a high degree of uncertainty with the economy and geopolitical developments, but inflation will certainly be a more significant factor in the intermediate term. I look for rates to be rangebound over the next week.

Dr. Anthony O. Kellum

President & CEO, Kellum Mortgage , Roseville , MI

I think rates will stay steady this week, though we could continue to see some volatility within a narrow range. Mortgage rates are likely to hover in the low-to-mid 6% range, influenced by a mix of geopolitical tensions in the Middle East and key economic data releases. While we’ve seen some softness in the labor market that could create modest downward pressure, it hasn’t been significant enough to drive a sustained move lower. In my view, the market is balancing competing forces cooling economic data on one hand, and global uncertainty on the other. That typically results in rates moving within a band rather than trending decisively in one direction. For now, I expect 30-year mortgage rates to remain above 6%, with stability being the dominant theme in the near term.

Robert J. Smith

Chief Economist, GetWYZ Mortgage

I do not expect much change over the next week; maybe some downward pressure if the ceasefire goes as planned.