Will Mortgage Rates Go Down in Late Winter?

Experts say February drops look unlikely as the Fed holds rates steady.

Economists expect mortgage rates to hover near 6.0%–6.1% through 2026.

Rates won’t fall meaningfully until long-term inflation expectations cool.

Spring buying, politics, and global uncertainty could push rates higher short-term.

Meanwhile, the median U.S. home price hit $405,400, keeping buyers rate-sensitive.