Mortgage rates are expected to remain stable in the low-to-mid 6% range over the next 90 days, with 30-year fixed rates around 6.3% to 6.6% and 15-year fixed rates near 5.7% to 5.9%. Rates are influenced by the 10-year Treasury yield, inflation, job reports, and global events. Affordability remains a challenge, and refinancing is generally not beneficial unless rates drop significantly. Home prices may see modest growth or stay flat in 2026.
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