Mortgage Rates Aren’t Backing Down Yet | “Your dream home, guided by a local team you can trust.”

We know how important it is to have clarity when planning your next move—whether you’re buying your first home, investing, or considering a refinance. Right now, mortgage rates are holding steady near 7%, and unless inflation eases enough to shift the Fed’s approach, we may see these rates persist through the end of the year. There’s even a chance that sticky inflation or additional Fed hikes could nudge rates a bit higher, especially with wider MBS spreads also putting upward pressure on borrowing costs.

A real drop in rates will take some time: we’d need to see steady improvement in inflation, more stability in long-term yields, clearer support from the Fed, and healthier mortgage-backed securities spreads. For now, it’s best to use today’s rates as your baseline for planning—and treat any future rate relief as a bonus if it comes your way.

At KC Mortgage Duo, we believe in guiding our clients with transparency and care through every step of the mortgage process. We’ll help you explore your options—whether conventional, VA, FHA, USDA, renovation, or refinancing—to find the right fit for your goals, even in a challenging rate environment. Because to us, it’s not just about getting a loan; it’s about helping you build your future with confidence.