The average interest rate on U.S. mortgages was 3.6% for a 30-year loan and 3% for 15-year loans as of Aug. 15, according to mortgage purchaser and reseller Freddie Mac. That’s down from 4.5% and.

Pending home sales rise slightly in November NEW YORK (TheStreet) — Contracts signed to purchase previously owned homes edged up slightly in November after declining. Economists expected the index to rise 1.5% according to consensus.

The chart below from CoreLogic is an average of all those forecasts, which points to a rate of 4.6% by December 2018. The more pessimistic MBA forecast might be pushing it higher. In summary, 2018 is looking like it’ll go relatively easy on mortgage rates, assuming the consensus is correct.

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Mortgage rates enjoyed another strong day, falling to the best levels in exactly 2 weeks. Rates were actually set to move higher early this morning, but a much weaker-than-expected reading on Q2 GDP helped drive demand for bonds. Better buying pushes bond prices higher and rates lower.

Freddie Mac: Mortgage rates barely nudge, stay below 4% Although mortgage rates barely moved from last week due to little movement in the financial market, they still came in below 4% 08/20/2015

Mortgage company Freddie Mac said Thursday that the nationwide average for a 30-year loan slipped to 4.12 percent from 4.13 percent last week. The average for the 15-year mortgage, a popular choice for people who are refinancing, declined to 3.23 percent from 3.26 percent last week. Mortgage rates are below the levels of a year ago.

Bankrate: Mortgage Rates Rebound Slightly – NEW YORK, May 11, 2017 /PRNewswire/ – After barely moving in the past 3 weeks, mortgage rates moved slightly higher this week, with the benchmark 30-year fixed mortgage rate now 4.22 percent, Bankrate.com – Compare mortgage, refinance, insurance, CD.

As a percentage of applications, refi’s are hanging tough at 68% if total activity – is your company ready if they dip below 50%? The MBAA now forecasts refinancings will fall to a range of $500.

With the exceptions of government-controlled Fannie Mae and Freddie Mac. of credit card, mortgage and corporate loans with those cheap deposits-and, importantly, those loans, even at today’s low.

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According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average ticked up to 4.42 percent with an average 0.4 point. It was 4.40 percent a week ago and 4.08 percent a.

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If you are quoted anything below 4.75% with acceptable buydown costs (see chart link above), you should take it. Important mortgage rate disclaimer: loan originators will only be able to offer these.