End-2025 30-year fixed rates forecasted between 6.3% and 6.5% by experts.
Fannie Mae predicts 6.3%, MBA 6.5%, Freddie Mac 6.4%, NAR mid-6% average.
Optimistic scenario (~20% probability) could drop rates below 6% if inflation falls sharply.
Less likely scenario (~10% probability) sees rates rise to 6.8%-7% from economic shocks.
Most likely (~70% probability) rates remain mid-6%, signaling gradual declines into early 2026.