When Will Mortgage Rates Really Drop?

Rates feel like they’re doing the cha-cha—up one day, down the next—and everyone’s asking the same thing: “When will mortgage rates finally come down?” In this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Stephen and Derick unpack why predicting rates isn’t as simple as watching the Fed. They break down the full cocktail of factors influencing rates—from inflation and investor emotions to global headlines and media hype. You’ll hear why waiting for that “perfect” rate might cost you more than you think, how refinancing fits into the bigger picture, and the key questions to ask yourself before jumping into the market.