The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Couple researching current mortgage rate outlook on laptop with market charts

Mortgage Rate Forecast: What to Watch and Why Timing Is Tough

By Scott Sheldon / February 4, 2026

Let’s face it—everyone wants to know when mortgage rates will drop. Whether you’re buying your first home, refinancing an existing loan, or just watching from the sidelines, it’s tempting to wait for the “perfect” rate. But here’s the truth: no one can predict how low mortgage rates will go, not even the experts. That’s because…

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