What’s your best estimate/expectation of what mortgage rates rate will be in 2 years? 30 year fixed

like
Posting as :
works at
You are currently posting as works at

If this could be predicted, you could easily get rich just by betting on it

like

Buy now refinance later, it won’t get any higher than this.

Probably lower than they are now.

How much depends on how badly and how quickly the economy tanks

like

You’d have to calculate unemployment rate, future inflation and know the timeline. Based on the data now we have 2 cuts coming of 25bps in 2025. Which would put mortgages around 6.5%. Not enough data for 2026. We could assume the same as 2025, so 6% interest in 2026 is reasonable. If unemployment spikes it could go lower, faster. If inflation sky rockets it could go higher.

like

Prediction markets (Kalshi or Polymarket) so based on all current data prediction markets are fairly accurate, but information changes and the odds adjust in response. I checked last night and a 3rd rate cut in 2025 is becoming more likely 25% chance. CME Fed watch tool relies on a couple data sources, futures contract, dot plot. Slightly different approach. Maybe the best approach is taking results from all three, average the prediction.

Let me ask my crystal ball and will get back to you

funny

No, You can always refi. I bought about 1.5 years ago and refi'd just before the fed rate drop.

like

No cost refi? If not, how much of a rate reduction did you achieve?

No one here knows...

6

I guess 4.5%

Even if the Fed cuts rates the 10 year may not go down. It’s impossible to tell.

Hang on. Let me check my crystal ball…

Cuts + QE + new round of inflation in next 3 years is my guess so down a little and then up again after stimulus.

Related Posts

Hi all
I work as chef and i m looking for job change dm me if any opportunity is there

like

Interviewing with Oracle for Senior Director role (Strategic Client group). 18+ yoe
How is the work culture and PIP at Oracle? I have a comp discussion planned this week, any insights into their salary structure will help - base, joining bonus, RSUs, etc...

like

I am going to move in the next few month to a location with a higher cost of living due to personal circumstances. I love my current company but I’ve only been here a little over a month, how should I go about requesting if it’s possible to get a salary increase? Might be a stretch but thought it might be worth mentioning.

like

Accepted a role with Microsoft! Super excited!
Quick question for those of you who used to work there or currently work there: how common is it to receive the full annual stock bonus?

Also any tips advice on things to take note of or do when joining? (Other than the typical- network, soak up information, ask questions, do the job well)

like

Hi Everyone - I was hoping someone could throw some light on the kind of work trust and safety does. I see a lot of open roles - managers, senior strategists etc. I have a top 20 MBA and about 8 years of big 4 experience in consulting - would this be the right kind of role to get into? Or is it more engineering?

likehelpful

Got an opportunity for devops cloud engineer. So will i work on their legacy cloud platform or do they use other competitors platform too?

like

I’m not naive or fresh out of law school, but I’m at a point where I’m saying to myself “Why can’t I have it all?” I’ve been offered a job for more pay and less hours and I keep thinking to myself, what’s the catch? I know people will say no promotion potential or that’s not how it works…but what if it could? What if you make yourself valuable by still setting your boundaries? Why would we resent someone who has that opportunity?

like

Anyone here move from Public accounting to starting an interim/part time CFO practice?
Curious on the experience in finding contracts given lack of operational experience.

like

Hi fishes,
I am currently working as Branch Manager (scale-2 officer) in one of the leading public sector banks and have 5 yr experience in core banking. I am having 2.5 years experience in the IT sector on vision plus as a software engineer (before joining the bank). I have knowledge of core banking as well as good knowledge of banking tools like finacle, caps, imac etc. I want to switch to private financial institutions.
Any suggestions about such institutions and the domain for I can apply

Anyone know what time Darden and duke release this week?

like

Other than Medtronic, which med device companies would you consider the cream of the crop?

like

What are all the agencies “return to work” policy? Are most agencies offering flex schedules / reserve a desk approach?

like

Hi Fishes,
Can anyone please refer me
Cognizant for analyst position. I have job id with me

like

Brand new baby lawyer dumb question - I am tasked with drafting response to request to produce. How long should this take? And follow up… how do I bill this?

like

Any general anecdotes about moving from a market-paying law firm to government? What was the experience like? Any regrets? How bad did the pay cut sting?

like

Hi everyone,
I joined nagarro in July,22 and my first salary credited in aug,after that i was able to declare flexi and tax components ,then my second salary credited for sep month and it was very less ,bcoz of flexi declaration.but when i calculate declared flexi amount is ~25k ,as per nagarro it is tax saving component which you can claim later.but I am still not understanding why my executive allowance is very less this time from which ,i got in august 112000 and in sep it is ~21k in payslp

like

How much have you heard of Account Managers making at companies in the tech space? I'm thinking about leaving my market research company.

How much package should a data engineer get for 3 year exp?

like

How is the job security in Oracle? I have offer from them and mostly looking for good WLB and job security. My tech stack is Frontend.
Oracle

like

If I did good on the first two interviews but just “okay” on the more technical third interview do you think I still got the job?

like

Additional Posts in The Real Estate Bowl

Do you thank your tenants for paying the rent? A quick thank you text?

like

What percentage of homes get sold without getting listed on the mls (off market deals)? Is it usually worth it for the buyer or seller?

like

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

like

Wanting to move from NYC to either Austin or Tampa. Open to hear the pros and cons.

like

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

like

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

like

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

like

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

like

Who has done FSBO? Thinking of doing it for 2 of my houses that I’m selling in the spring time.

like

Trying to find an investment property to rent out for about $300k - what are your recs for location ?

like

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

like

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

like

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

like

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

like

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

like

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

like

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

like

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

like

Anyone finding good rates for refis on investment? Got a good rate, 3.335, but the brokers is trying to charge 2% in fees. Kind of kills the deal. The loan amount is only 115k. I’d rather go up to like 3.65 or whatever and not have to pay so much in closing. Any ideas?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal