Lauree Holden

Refi rates eased through late 2025; now near mid-6 percent range.
Most economists expect modest declines in 2026 if inflation cools.
Key factors: inflation, labor market, Federal Reserve policy, and 10-year Treasury yield.
Analysts see stability or slight ↓; high-5% to low-6% range projected.
Borrowers urged to monitor economic data and consult professionals before refinancing.

2026 Mortgage Refinance Outlook

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.