What market factors could impact mortgage rate trends throughout 2025?

Mortgage rate trends in 2025 depend on inflation rates, Federal Reserve policies, trade dynamics, supply chain stability, and insurance costs. Current Treasury yields hover near four percent, suggesting potential for further rate cuts if inflation eases. However, unpredictable factors like trade disputes or supply issues could maintain upward pressure. These variables create uncertainty for sub-six percent rate prints, emphasizing the need for buyers and sellers to stay agile, regularly reassess affordability, and work closely with knowledgeable agents and lenders to navigate rate shifts.