{"id":3414,"date":"2021-02-18T05:00:42","date_gmt":"2021-02-18T11:00:42","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/will-low-mortgage-rates-continue-through-2021\/"},"modified":"2022-11-16T14:29:31","modified_gmt":"2022-11-16T20:29:31","slug":"will-low-mortgage-rates-continue-through-2021","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/will-low-mortgage-rates-continue-through-2021\/","title":{"rendered":"Will Low Mortgage Rates Continue through 2021?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/17132157\/20210218-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Will Low Mortgage Rates Continue through 2021? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>With mortgage interest rates hitting <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/11\/19\/will-mortgage-rates-remain-low-next-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">record lows<\/a> so many times recently, some are wondering if we\u2019ll see low rates continue throughout 2021, or if they\u2019ll start to rise. Recently, <em>Freddie Mac<\/em> released their quarterly forecast, noting:<span id=\"more-43883\"><\/span><\/p>\n<blockquote>\n<p><em>\u201cThe average 30-year fixed-rate mortgage hit a record low over a dozen times in 2020 and <strong>the low interest rate environment is projected to continue through this year. <\/strong>We expect interest rates to average below 3% through the end of 2021. While this is a modest rise from 2020 averages, the recent vote by the Federal Reserve to keep interest rates anchored near zero should keep rates low.\u201d<\/em><\/p>\n<\/blockquote>\n<p>As shown in the graph below, <em>Freddie Mac<\/em> is projecting low rates going forward with a modest rise that\u2019s expected to continue through 2022.<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/17132155\/20210218-MEM-Eng-1.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-43885\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/17132155\/20210218-MEM-Eng-1.jpg?resize=650%2C366&#038;ssl=1\" alt=\"Will Low Mortgage Rates Continue through 2021? | Simplifying The Market\" width=\"650\" height=\"366\" \/><\/a><em>Freddie Mac<\/em> isn\u2019t the only authority forecasting low rates with a slight rise. <a href=\"https:\/\/www.fanniemae.com\/media\/37951\/display\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Fannie Mae<\/em><\/a><em>, The Mortgage Bankers Association<\/em> (<a href=\"https:\/\/www.mba.org\/news-research-and-resources\/research-and-economics\/forecasts-and-commentary\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">MBA<\/a>), and the <em>National Association of Realtors<\/em> (NAR) also anticipate low rates with a small increase as 2021 continues on. Here\u2019s the quarterly breakdown of their projections and how they\u2019re expected to play out over the next year:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/17132153\/20210218-MEM-Eng-2.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-43884\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/17132153\/20210218-MEM-Eng-2.jpg?resize=650%2C366&#038;ssl=1\" alt=\"Will Low Mortgage Rates Continue through 2021? | Simplifying The Market\" width=\"650\" height=\"366\" \/><\/a>It\u2019s important to note that, while a small change in interest rates can have a substantial impact on monthly mortgage payments, these rates are still incredibly low compared to where they were just a couple of years ago.<\/p>\n<h4><strong>What does this mean for buyers?<\/strong><\/h4>\n<p>Low mortgage rates are creating an outstanding opportunity for current <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/02\/11\/47-of-new-buyers-surprised-by-how-affordable-homes-are-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">homebuyers<\/a> to get more for their money while staying within their budget. As the economy gets stronger and we recover from the challenges of 2020, it\u2019s natural for rates to potentially rise in response to a healthier economy. Mark Fleming, <em>Chief Economist<\/em> at <em>First American<\/em>, <a href=\"https:\/\/blog.firstam.com\/economics\/why-the-housing-market-can-thrive-if-a-new-rising-rate-era-begins\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">reminds<\/a> us:<\/p>\n<blockquote>\n<p><em>\u201c<strong>Rising interest rates reduce house-buying power and affordability<\/strong>, but are often a sign of a strong economy, which increases home buyer demand. <strong>By any historic standard, today\u2019s mortgage rates remain historically low<\/strong> and will continue to boost house-buying power and keep purchase demand robust.\u201d<\/em><\/p>\n<\/blockquote>\n<p>With low rates fueling activity among hopeful buyers, there are a lot of people who are highly motivated and looking for homes to purchase right now. In this environment, it can be <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/01\/28\/what-record-low-housing-inventory-means-for-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">challenging<\/a> to find a home to buy, so a local real estate agent will be key to your success if you\u2019re thinking of buying too. Working with a trusted real estate professional to navigate the process while rates are in your favor might be the best move you can make.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>If you\u2019re ready to buy a home, it may be wise to make your move before mortgage rates begin to rise. Let\u2019s connect to discuss how today\u2019s low rates can create more opportunities for you this year.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage interest rates hitting record lows so many times recently, some are wondering if we\u2019ll see low rates continue throughout 2021, or if they\u2019ll start to rise. Recently, Freddie Mac released their quarterly forecast, noting: \u201cThe average 30-year fixed-rate mortgage hit a record low over a dozen times in 2020 and the low interest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3415,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3414","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Will Low Mortgage Rates Continue through 2021?&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/will-low-mortgage-rates-continue-through-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will Low Mortgage Rates Continue through 2021?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"With mortgage interest rates hitting record lows so many times recently, some are wondering if we\u2019ll see low rates continue throughout 2021, or if they\u2019ll start to rise. 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