Excellent analysis of where rates are heading this year. As a loan officer in Portland, I'm constantly fielding questions from buyers about whether to lock now or wait, and your breakdown of the Fed's signals and bond market movements gives me solid talking points to share with my clients. The chart comparing 2025 to 2026 projections was especially helpful—I've already incorporated it into my client presentation deck. Keep these insights coming, they're invaluable for both agents and buyers navigating this volatile market. Much respect! mortgage interest rate predictions 2026