Buy, refinance, or keep watching?
Start with one number: what this week’s rate range does to your monthly payment. Tell us what you’re doing and we’ll go further. Uses Freddie Mac PMMS 7.24% (2026-10-29) and our 7.28% forecast.
Slide the rate. Watch the payment.
Buying or refinancing, check again after Thursday's grade (Nov 5): if the call moves off Prepare, re-run the wait check on your own loan. If it says keep your loan, that's the honest answer until the numbers change.
Estimates only. Not financial advice, not a rate quote, not an offer of credit, not a rate lock. Talk to a licensed loan officer about your situation.
Math: M = P × r(1+r)n / ((1+r)n − 1), r = annual rate / 12, n = months. Principal and interest only unless you add tax/insurance; excludes PMI, HOA and points. Benchmarks: Freddie Mac PMMS national averages; Fannie Mae and MBA publish their own forecasts. Your offered rate depends on credit, down payment, loan type and lender.