What's the mortgage interest rate forecast for summer 2026? Here's what some experts predict.

Mortgage rates could shift this summer, so homebuyers should stay attuned to what experts think will happen. Muhammad Aqib/Getty Images For much of the last year, homebuyers have been waiting for a meaningful break on mortgage rates . Instead, they've faced a market that seems stuck in place, with mortgage loan borrowing costs remaining high and refusing to move decisively lower for any real stretch of time. That uncertainty has, in turn, made timing a home purchase more complicated. For example, some prospective buyers have delayed their plans in hopes that mortgage interest rates will ease , while others have moved forward, concerned that waiting could mean higher costs down the road. At the same time, homeowners considering a refinance are facing many of the same questions about where rates may be headed next. And, as summer gets underway, the mortgage market finds itself at another crossroads. A mix of inflation pressures , global events and changing economic conditions could influence borrowing costs in the months ahead. Whether rates hold steady, move higher or finally begin to drift lower will depend on several key factors that borrowers should be watching closely. Find out what mortgage loan rates you could qualify for today . …