2026 Mortgage Rates: Forecasts & Trends episode artwork

EPISODE · Dec 31, 2025 · 8 MIN

2026 Mortgage Rates: Forecasts & Trends

from Smart Mortgage Show with Bill Litton

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/ 📲 Text "LEND" to 21000 to schedule a free 15–minute consultation Mortgage rates may not be on a roller coaster anymore, and that matters more than most people realize. In this episode, Bill shares why recent stability in rates is creating predictability for buyers, even as the Fed continues adjusting policy. The conversation looks at what's actually influencing mortgage rates right now, what experts expect heading into 2026, and why waiting for the "perfect rate" can be costly. Here's what we discuss in this episode: 📊 Market Update: Where mortgage rates stand now 🏦 Stability: Why predictability beats volatility 💸 The Fed: How rate cuts really affect mortgages 📈 2026 Outlook: What direction rates may head 🏡 Buyer Insights: Focus on strategy instead of "perfect timing"   CONTACT: Schedule a time to meet with Bill here: https://calendly.com/blitton/ Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/ Call: 484-352-4151. Check us out on YouTube: https://bit.ly/3KbUxAF

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2026 Mortgage Rates: Forecasts & Trends

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