{"id":3420,"date":"2021-02-23T05:00:45","date_gmt":"2021-02-23T11:00:45","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/the-reason-mortgage-rates-are-projected-to-increase-and-what-it-means-for-you\/"},"modified":"2022-11-16T14:29:32","modified_gmt":"2022-11-16T20:29:32","slug":"the-reason-mortgage-rates-are-projected-to-increase-and-what-it-means-for-you","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/the-reason-mortgage-rates-are-projected-to-increase-and-what-it-means-for-you\/","title":{"rendered":"The Reason Mortgage Rates Are Projected to Increase and What It Means for You"},"content":{"rendered":"

\"The<\/p>\n

We\u2019re currently experiencing historically low mortgage rates. Over the last fifty years, the average on a Freddie Mac<\/em> 30-year fixed-rate mortgage has been 7.76%. Today, that rate is 2.81%<\/a>. Flocks of homebuyers have been taking advantage of these remarkably low rates over the last twelve months. However, there\u2019s no guarantee rates will remain this low<\/a> much longer.<\/span><\/p>\n

Whenever we try to forecast mortgage rates, we should consider the advice<\/a> of Mark Fleming, Chief Economist<\/em> at First American<\/em>:<\/p>\n

\n

\u201cYou know, the fallacy of economic forecasting is don’t ever try and forecast interest rates and\/or, more specifically, if you’re a real estate economist mortgage rates, because you will always invariably be wrong.\u201d<\/em><\/p>\n<\/blockquote>\n

Many things impact mortgage rates. The economy, inflation, and Fed policy, just to name a few. That makes forecasting rates difficult. However, there\u2019s one metric that has held up over the last fifty years \u2013 the relationship between mortgage rates and the 10-year treasury rate.<\/strong> Here\u2019s a graph detailing this relationship since Freddie Mac<\/em> started keeping mortgage rate records in 1972:\"The<\/a>There\u2019s no denying the close relationship between the two. Over the last five decades, there\u2019s been an average 1.7-point spread between these two rates. It\u2019s this long-term relationship that has some forecasters projecting an increase in mortgage rates as we move throughout the year. This is based on the recent surge in the 10-year treasury rate shown here:\"The<\/a>The spread between the two is now 1.53, indicating mortgage rates could rise. Actually, a bump-up in rate has already begun. As Joel Kan, Associate VP of Economic Forecasting <\/em>for the Mortgage Bankers Association, <\/em>reveals<\/a>:<\/p>\n

\n

\u201cExpectations of faster economic growth and inflation continue to push Treasury yields & mortgage rates higher. Since hitting a survey low in December, the 30-year fixed rate has slowly risen, & last week climbed to its highest level since Nov 2020.\u201d<\/em><\/p>\n<\/blockquote>\n

How high might they go in 2021?<\/strong><\/h4>\n

No one knows for sure. Sam Khater, Chief Economist<\/em> for Freddie Mac<\/em>, recently suggested:<\/p>\n

\n

\u201cWhile there are multiple temporary factors driving up rates, the underlying economic fundamentals point to rates remaining in the low 3% range for the year.\u201d<\/em><\/p>\n<\/blockquote>\n

What does this mean for you?<\/strong><\/h4>\n

Whether you\u2019re a first-time buyer or you\u2019ve purchased a home before, even an increase of half a point in mortgage rate (2.81 to 3.31%) makes a big difference. On a $300,000 mortgage, that difference (including principal and interest) is $82 a month, $984 a year, or a total of $29,520 over the life of the home loan.<\/p>\n

Bottom Line<\/strong><\/h3>\n

Based on the 50-year symbiotic relationship between treasury rates and mortgage rates, it appears mortgage rates could be headed up this year. It may make sense to buy now rather than wait.<\/p>\n

Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

We\u2019re currently experiencing historically low mortgage rates. Over the last fifty years, the average on a Freddie Mac 30-year fixed-rate mortgage has been 7.76%. Today, that rate is 2.81%. Flocks of homebuyers have been taking advantage of these remarkably low rates over the last twelve months. However, there\u2019s no guarantee rates will remain this low […]<\/p>\n","protected":false},"author":1,"featured_media":3421,"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-3420","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":"\nThe Reason Mortgage Rates Are Projected to Increase and What It Means for You—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\/the-reason-mortgage-rates-are-projected-to-increase-and-what-it-means-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Reason Mortgage Rates Are Projected to Increase and What It Means for You—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"We\u2019re currently experiencing historically low mortgage rates. 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