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Will we dodge mortgage rates moving up to 7%? The latest rate forecasts from major industry sources are in, and so far, the news is good. Learn more: The best mortgage lenders right now Recent history of 7% mortgage rates The 30-year home loan rate has been in 7% territory many times over the past four years. According to Freddie Mac, mortgage rates already edged above 7% (7.04%) for one week this year — in January 2025. They stepped over 7% for six weeks in 2024, 17 weeks in 2023, and twice in 2022. ...