Home & Real Estate, Mortgage Types & Rates

Mortgage Rates Forecast for Late 2026: What the Federal Reserve Data Shows

Fannie Mae projects 6.8% for Q4 2026 — revised up from 6.4% in a single month. The MBA projects 6.7%. Freddie Mac's September 3 reading is already 6.71%, inside the forecast range. None of the mainstream forecasts expect rates below 6% before 2028. Here's what the Federal Reserve H.15 data, 10-year Treasury yields, and institutional consensus show about where mortgage rates are headed.