Where experts and AI think rates will be by 2030

Yahoo published an article where experts and AI predict mortgage rates by 2030

Rates have already come a long way down.... and the question everyone's asking now is: how much lower do they go? Experts are saying don't hold your breath for anything dramatic. The days of 2% mortgages were a pandemic fluke, not a baseline. The realistic outlook over the next few years is rates staying roughly in the range we're already in if we're lucky...

maybe a little worse depending on inflation and the economy.

What that means for you: the "perfect rate" you're waiting for probably isn't coming. The people who win aren't the ones who timed it perfectly — they're the ones who stopped waiting and made a plan with what's in front of them.

Bond yield vs mortage rate gap usually is 1.5-2% rate: table below.

if forecast yield in 2023 is 3.92% and assume its accurate, mortgage rate could be back up to mid 5-6%

Source: https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-rate-predictions-for-the-next-5-years-rates-by-2030-195826846.html