Mortgage Rates February 2025 Predictions. I still think that gently falling mortgage rates will probably be a feature of 2025, barring major upsets. Mortgage rates rose sharply during 2022 and the first half of 2023.

With two more fed meetings scheduled before the end of 2025, we could see rates continue to fall. “fixed mortgage rates fluctuate all the time as they depend to a degree on market sentiment.