Mortgage Report

January 13, 2021


By Saeed Ghaffari

 Crystal Ball Anyone?

Mortgage Report

We don’t have a crystal ball, but we can quote you from those who claim to have one and have better credentials to make the claim.  At least they economists. 

Greg McBride of expects the rates to go up between .5% to .75% in early 2021.

Danielle Hale of sees low rates continuing through the first half of 2021. “Making any kind of prediction for next year is difficult. But our expectation is that mortgage rates start the year roughly in line with where they are now, and they stay fairly low — right around 3% — for the first half of the year,” Hale says. She believes that in the second half of 2021, if access to a vaccine helps to improve the economy, rates could rise. “Mortgage rates could approach 3.4% by the end of the year,” she says.

Since we don’t have our own crystal ball, we make it up with smart calculators (excel) and great lenders with excellent rates signed up on  Moving forward, we’ll pick arbitrary loan amounts and publish payments based on applicable interest rates obtained from lenders on our site. Reader must keep in mind, the above may not be taken as a lender quote and one must contact a lender for loan cost and APR. You may visit to connect with a lender for a formal quote.

Based on the projections by our economist picks of the week, if I were in the middle of a refinance or purchase of a home, I would lock my loan just to be safe.

 Above rates are courtesy of Loan America at 0 points. For APR and qualification criteria, you may connect with Loan America on


Don’t forget to take advantage of our Find a Realtor page on to connect with an expert in your area.

Sign up on to be a free member and connect with our members and receive our weekly news and updates.

You Deserve 100% Commission

Learn about our 100$ Commitment to 100%  Commission

Gold Sponsor of M&M

Order your NHD Report  on M&M

Not a M&M Member?

Call Us Today

714 469 5529


Related Articles

“What About Bellflower?” By: Anita Jones

Anita Jones Anita Jones is a licensed Realtor with over 25 years of experience. Anita understands the home buying and home sale process. To connect with her, sign up on and/or log in to the platform to send her a private message. History & Fun Facts regarding...

“What About Mission Viejo?” by: Angie Week

You’ll love living in Mission Viejo. There’s golfing, a large lake, freshwater beach access, boat rentals, waterfront dining, and plenty of shopping. Our community does yearly fireworks over the water, and also has a series of concerts on the lake for residents and guests. Montanoso Recreation & Fitness center draws aquatic enthusiasts from across the nation, and is a great place for the kids to learn to swim.

Share This