Mortgage rates have remained largely unchanged since late October, according to Freddie Mac data. You may be waiting to buy a house or refinance your loan until mortgage rates go down. However, according to many experts' 2026 housing market predictions, rates are likely to decrease only slightly next year. That doesn’t necessarily mean it’s a bad time to buy or refinance, though. Are mortgage rates dropping? Yes and no. Weekly rates have remained relatively unchanged, but annual rates have decreased. ...