Garth Pabst

Experts forecast mortgage refinance rates gradually declining through 2026 from current levels near 6.5%.
Most economists expect rates to stabilize between high-5% and low-6% ranges in 2026.
Further declines depend on cooling inflation, weaker job growth, and additional Federal Reserve rate cuts.
Significant rate increases in 2026 are considered unlikely unless inflation reaccelerates sharply.
Overall outlook suggests slow, uneven rate declines rather than rapid drops throughout 2026.

Will Refinance Rates Fall in 2026?

Slide 1
Think rates decide profits? Time, points, and delays quietly eat more than interest ever will.

Slide 2
Bridge rates dropped from 11.1%→10.43% as of late 2025, but execution speed now matters more.

Slide 3
Most flippers miss this: two extra months can burn $8,300 straight from profit.

Slide 4
Low rates with high points? A 1→3 point jump costs $9,100 upfront.

Slide 5
Lenders price you, not markets: liquidity, experience, LTV, and collateral move numbers most.