Dave Ramsey predicts major mortgage rate changes are coming soon
The best-selling personal finance author has a strong message on the housing market this year.
After several years of housing market stagnation, 2025 was expected to see significant market improvement. However, sticky inflation, trade wars, looming recession fears, and financial market volatility have kept mortgage rates higher than anticipated, stifling housing sales.
Mortgage rate forecasts have fluctuated with economic developments, inflation expectations, and treasury yield performance, but most now estimate that rates will land close to 6% by the end of 2026.
