Mortgage Rates Will Remain Above 7% Through 2027, Top Economist Forecasts

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Realtor.com News reports that MBA Chief Economist Mike Fratantoni predicts mortgage rates will stay above 7% through next year, with inflation and federal budget deficits keeping upward pressure on borrowing costs. The forecast extends the strain on buyers who have already spent years waiting for relief, and it signals that affordability will remain a defining constraint in housing for the foreseeable future.

For borrowers now facing a prolonged stretch of elevated rates, the calculus around financing has shifted from waiting to adapting. loantrust.ai works directly with investors and homeowners on strategy in this environment, structuring DSCR loans that qualify on property cash flow rather than personal income, bridge and fix-and-flip programs for investors repositioning assets, and bank-statement options for self-employed borrowers whose tax returns do not reflect full borrowing power. Every file is packaged by one licensed MLO, not routed through a call center, which means the same person who assesses the situation carries it through to closing.

That structure matters when conditions are tight and each decision carries more weight. A borrower navigating rates above 7% needs financing arranged with precision rather than volume, and a brokerage that originates across conventional, FHA, VA, and investor products can match the approach to the specific property and timeline. loantrust.ai operates as a dedicated partner in that process, not as a transactional pipeline, which is the difference between a loan that merely closes and one that actually serves the broader strategy.