The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
Mortgage Rate Forecast: What to Watch and Why Timing Is Tough
By Scott Sheldon
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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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