Mortgage Rate Projections Through 2026

Is Your Low Mortgage Rate Holding You Back?

Holding onto a low mortgage rate can feel like a smart move—and in many cases, it has been. But what happens when that low rate starts holding you back from the next chapter of your life?

Many homeowners are hesitating to make a move right now, waiting for mortgage rates to drop significantly before they even consider their next step. But here’s the reality: experts aren’t forecasting a major drop anytime soon. In fact, most projections show mortgage rates staying between 6% and 6.5% through the end of 2026. That’s a far cry from the ultra-low 3% rates we saw a few years ago—and it’s unlikely we’ll see those again for a very long time, if ever.

So, if you're waiting for rates to drop back to "the good old days," it might be time to rethink that plan.

Instead of focusing only on the numbers, ask yourself this:
Will your current home still fit your life five years from now?

Because here’s the thing—life moves forward whether rates do or not. Maybe your family has grown. Maybe the kids have moved out. Maybe you’re working from home more and need extra space. Or maybe you’re ready to simplify and downsize. Whatever the case may be, a low rate isn’t always worth staying stuck in a home that no longer fits.

The real question becomes: What makes sense for your life and your timeline? If a move would give you more peace of mind, more room to grow, or simply a better day-to-day lifestyle, then it’s worth exploring your options—regardless of what rates are doing.

And remember, there are ways to make the numbers work. Smart planning, creative financing options, and personalized strategies can help ease the transition and make your next move more manageable.

If you’ve been holding back because of rates, let’s talk.
We’ll walk through your goals, your timeline, and what’s possible for you—so you can make the best decision for your future, not just your mortgage.