Whether you are a mortgage lender, prospective home buyer
or home seller, the future of mortgage interest rates is crucial to
your decision making process.

Is now a good time to buy or will rates be lower later?

Should I sell now before rates rise and make it difficult for
buyers to qualify for loans?

Should I expand my mortgage business ... or will mortgage
rates rise and decrease the demand for new mortgages?

Mortgage rates and other key interest rates are shown
below beginning in 1965.
Mortgage rates are not high by
historical standards. They have been generally falling for the
last twenty-five years. Twenty-five years is a long time for a
trend to continue. Will it? There are reasons to believe that we
are at the crossroads of a reversal of that 25 year super
downtrend.

A Mortgage Rate Forecast can be an indispensable tool in the
decision making process for lenders, homeowners and realtors.
SignalTrend has developed a Mortgage Rate Forecast system
that has demonstrated remarkable accuracy in a 35 year
backtest.

SignalTrend's Mortgage Rate Forecast is updated on this page
monthly. Return to this site regularly when you need a 12
month Mortgage Rate Forecast. SignalTrend subscribers also
receive SignalTrend's Prime Rate Forecast, 10 Year Treasury
Rate Forecast, Six Month CD Forecast, Investment Tips
E-Newsletter & Stock Market Forecast!
Accurate Results
SignalTrend's Mortgage Rate Forecast System was developed
through years of research and thoroughly backtested over
many decades. The Forecasts generated in the backtest of
SignalTrend's computerized forecast system are provided in
the tables below. The heart of this system is a versatile model
that identifies the probable course of future interest rates.
Numerous analytical equations were crafted to provide
objective, unemotional forecasts for four key interest rates. Its
signals are designed to produce a forecast for the 30 Year
Mortgage Rate, Prime Rate, 10 year Treasury Rate and 6
Month CD Rate. Take a few minutes and review the tables
below.
The average variance between actual and
forecasted rates for the five year period ending with
2006, was .38%, .58%, .40%, and .50% for Mortgage, Prime,
Treasury and CD rates respectively.
10 Yr Treasury
30 Yr Mortgage
6 Month CD
Prime Rate
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7.6%
7.1%
4.1%
3.3%
3.4%
7.0%
5.1%
5.1%
6.0%
4.7%
6.3%
5.9%
1.7%
1.2%
1.0%
2.7%
4.8%
8.2%
6.2%
3.9%
3.3%
4.8%
5.8%
5.6%
5.7%
5.6%
5.3%
6.9%
3.7%
1.9%
1.0%
1.7%
3.5%
5.4%
1.14%
.58%
9.8%
9.4%
6.7%
5.6%
5.6%
9.8%
8.1%
9.5%
9.8%
7.2%
9.8%
8.9%
4.5%
3.9%
3.7%
5.9%
8.2%
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
0.6%
0.9%
0.1%
0.0%
1.3%
1.2%
0.4%
0.6%
0.4%
0.6%
0.5%
2.1%
0.1%
0.2%
0.6%
0.7%
0.6%
10.0%
7.2%
6.0%
6.0%
8.5%
8.6%
8.2%
8.5%
7.7%
8.5%
9.5%
4.8%
4.2%
4.0%
5.1%
7.1%
8.2%
Variance
Actual
Forecast
Year
Variance

Avg. Variance 1990-2006
Avg. Variance 2002-2006
Actual
Forecast
0.3%
0.7%
0.0%
0.7%
1.9%
2.0%
0.6%
0.5%
0.0%
1.4%
0.6%
0.0%
1.0%
0.0%
0.1%
0.4%
0.1%
7.6%
7.8%
6.8%
6.5%
5.8%
7.5%
5.5%
6.4%
5.6%
4.5%
6.4%
5.0%
5.1%
3.9%
4.1%
4.3%
4.3%
8.0%
7.0%
6.7%
5.7%
7.8%
5.7%
6.3%
5.8%
4.6%
6.2%
5.2%
5.0%
4.0%
4.2%
4.2%
4.4%
4.5%
9.3%
9.2%
8.1%
7.8%
7.2%
9.2%
6.9%
7.6%
6.8%
6.4%
7.9%
7.0%
7.1%
5.8%
5.6%
5.8%
6.3%
0.4%
0.7%
0.1%
0.7%
1.9%
1.8%
0.7%
0.6%
0.9%
1.7%
1.1%
0.0%
1.1%
0.3%
0.0%
0.1%
0.2%
9.6%
8.5%
8.2%
7.1%
9.2%
7.2%
7.6%
7.1%
6.7%
7.9%
7.3%
7.0%
6.0%
5.8%
5.7%
6.2%
6.1%
Variance
Actual
Forecast
Variance
Actual
Forecast

SignalTrend is a newsletter service, not an investment advisor.  None of the information on our Site is intended as investment advice, as an
offer or solicitation of an offer to buy or sell, or as a recommendation, endorsement, or sponsorship of any security, company, or fund.
SignalTrend does not recommend short selling, the use of margin or any other form of leverage. Please speak to your investment advisor to
determine the suitability of any investment for your objectives and risk tolerance before using any information, product or service found in this
website. Carefully read any fund's prospectus before investing. All four forecasts went live February 1, 2007. Results prior to 2/1/07 are the
result of backtesting. Results after that date reflect real time forecasts. Past performance is not a guarantee of future results. Please read
the following Terms of Use/Disclaimer before using any part of this website in any way. Your use of this site or any of SignalTrend's  
products, services or information  constitutes your agreement to abide by SignalTrend's Terms of Use/Disclaimer as contained in the
following link.
For mortgage, treasury and prime rates the percentages in the
forecast columns represent January forecasts for December interest
rates. Each month the twelve month forecasts are revised. So, in
January the December forecasts are published. In February, 2007,
the January, 2008 forecasts are published etc.
For CD rates the percentages in the forecast column represents
January forecasts for June interest rates. Each month the six month
forecasts are revised. In January the June forecasts are published. In
February the July forecasts are published etc. For system test results
from 1958,
click here.
2%
12%
10%
8%
2%
6%
12%
4%
10%
20%
8%
18%
6%
16%
4%
14%
20%
1965  1970  1975 1980  1985  1990  1995  2000  2005
18%
1965  1970  1975  1980 1985  1990  1995  2000  2005
16%
14%
22%
Prime
10 Year Treasury
30 Year Mortgage
6 Month CD
0.66%
0.38%
0.78%
0.40%
0.69%
0.50%
0.1%
2.1%
0.7%
0.3%
2.8%
1.2%
0.1%
1.0%
2.1%
1.2%
0.3%
4.0%
0.2%
0.0%
1.3%
1.1%
0.0%
Interest Rate Charts: 1965 - 2006
The 30 year mortgage graph was derived from FHA mortgages for the period 1/65-3/71 and from conventional mortgages from 4/71-12/06.
Source of mortgage rate data for charts and tables: Freddie Mac.  Source of other interest rate data for charts and tables: Federal Reserve
Bank of St. Louis.
Mortgage Rate Forecast
30 Year Mortgage Rates
6.10%
12/2007
1/2007
6.70%
6.20%
6.30%
6.40%
6.50%
6.60%
I
I
Mortgage
Target Date
Forecast
Updated
30 Yr. Mortgage
May 2011
5.15%
7/09/10
Monthly average conventional 30 year mortgage rates.
Source: Federal Reserve Bank of St. Louis.
_______________________________________________________________________________
Updated monthly.
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