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Tell us your rate once. Every month, we'll show you exactly how much you could save by refinancing today — and email you the moment it's worth it. No credit check, no sales calls, just your number.

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30-yr fixedMortgage

7.24%

▼ 0.08Thu, Oct 29
15-yr fixedMortgage

6.60%

▼ 0.08Thu, Oct 29
10-yr TreasuryBond yield

5.05%

▲ 0.06Wed, Oct 28
Dec 9 Fed cutOdds

0%

85.3% hike · 14.7% holdCME FedWatch
Rates are updated from Federal Reserve Economic Data (FRED).Why your rate isn’t the Treasury rate →

Your info is never sold

No credit pull, no trigger leads, no lender calling you at dinner. Ever.

We'll tell you to do nothing

If refinancing won't beat your break-even, we say so — and show the math.

One number, every month

Tell us your rate once. We watch the Fed data and email you the moment it pays.

SourceFannie Mae

Rate forecast · Oct 2026

Where mortgage rates are headed through 2027

7.40% – 7.50%
▲ 0.80 pt into 2027

Fannie Mae's latest forecast puts the 30-year fixed between 7.40% and 7.50% from now through the end of 2027, against today's 7.24%.

0%
Chance of a rate cut

A rate cut on Dec 9 is off the table.

Markets: 14.7% hold · 85.3% hike · CME FedWatch

See the rate forecast →
SourceNational Association of Realtors

Housing market · Sep 2026

Cheap homes are selling less. Expensive homes are selling a lot more.

Under $250K−7.4%
$750K and up+1.8%
▲ Investors made 20 of every 100 sales this month, up from 15 a year ago — more competition for regular buyers.
See the market pulse →
SourceFannie Mae

Economy · Oct 2026

No recession in the latest forecast

Jobs, growth, and prices set the floor under mortgage rates. Fannie Mae sees unemployment at 4.2%, GDP growth at 2.6%, and inflation at 3.7% in 2026 — arrows show where each one heads in 2027.

Unemployment

4.2%

▲ 0.1 pt

GDP growth

2.6%

▼ 0.1 pt

Inflation (CPI)

3.7%

▼ 1.8 pt

Arrows compare the 2026 forecast with 2027.

See the economy →
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From the Guides

Fresh reads for homeowners

Browse all answers →

The Refinance Surge Horizon: When Will the Next Big Refi Wave Hit?

Wondering when mortgage rates will drop enough to justify refinancing? Here is the exact mathematical threshold that will unleash the next big refi wave.

Read now →

Inflation Creep vs. Rate Cuts: Why the Fed Is Staying Stationary Into Next Year

Sticky CPI numbers are keeping the Fed cautious. Learn why mortgage rates aren't plummeting yet and what the math says about waiting vs. acting.

Read now →

GDP, Jobs, and Your Home: The Macro Engine Keeping Housing Steady

Persistent GDP growth and a resilient job market provide a solid floor for home values. Here is what the macro data means for your home equity through 2027.

Read now →
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