Mortgage Rates Predictions: Will Rates Go Down to 4% Next Year? | Your Real Estate Resource for Advice, Tips and Trends.

No Big Drop Ahead: Experts see rates holding in the mid-6% range next year, far from pandemic-era lows.

Inflation Stays Sticky: Above-target inflation keeps the Fed cautious about cutting rates.

History Check: Sub-3% rates were an anomaly; typical U.S. mortgage rates run 6–8%.

Buyer Strategy: Focus on credit scores, bigger down payments, and shopping lenders—not waiting for 4%.