No Big Drop Ahead: Experts see rates holding in the mid-6% range next year, far from pandemic-era lows.
Inflation Stays Sticky: Above-target inflation keeps the Fed cautious about cutting rates.
History Check: Sub-3% rates were an anomaly; typical U.S. mortgage rates run 6–8%.
Buyer Strategy: Focus on credit scores, bigger down payments, and shopping lenders—not waiting for 4%.