Gayle Fujita Ramsey Mike Fujita, (S) RA SFR ePro MRP (Green Realty Group (808) 388-1485)

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Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Michael and Gayle,

The Fed is who ultimately decides.  They did an increase last year and said that additional increases will probably happen in 2017.  The economy and the job market really dictate that.  We need to have people working.

Jan 12, 2017 09:55 AM
John Meussner
Mortgages in AZ, CA, CO, DE, FL, GA, IN, MD, MN, MT, NC, NJ, NV, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI - Fair Oaks, CA
#MortgageMadeEasy Fair Oaks, CA 484-680-4852

The interest rates are being driven by so many things that POTUS-elect nor any other individual has much impact ---- the global marketplaces, economic recoveries all over the world, oil output/production, and geopolitical happenings (troops near Russian borders?) are likely to be the driving force on rates.


Rates have been artificially held down, but it's become the new normal - the only way rates could skyrocket is if personal incomes and spending did as well.  If that happens, higher rates won't slow down the market place.

Jan 12, 2017 12:43 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

In the end the market is what will force rates up or down. They will inch up again come spring if the market is strong despite it, watch for another tic up, if teh market slows, watch rates steady or edge backwards.

Jan 12, 2017 03:50 PM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Michael & Gayle Ramsey Fujita Even if interest rates go up a little they are still near all time lows. I can remember 12-18% interest rates. Single digit interest rates where they are now is great.

Jan 12, 2017 10:24 AM
Ryan Huggins - Thousand Oaks, CA - Thousand Oaks, CA
Residential Real Estate and Investment Properties

We absoultely MUST raise the interest rates.  Doing so cautiously and in small increments will not have a chilling effect on the economy.  When (not if) the economy comes to a point where it needs a jumpstart we need to have the interest rates higher so they CAN be lowered.  We do not want to become like Europe where they have NEGATIVE interest rates (you have to pay to store your money and good luck getting it out).

Jan 12, 2017 10:23 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Judging by the press conference yesterday and the reaction of the stock and bond market today, I would say that the increases the Fed was planning on is currently off the table. We shall see.

Jan 12, 2017 09:54 AM
Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

It doesn't matter what Trump says, he really doesn't have anything to do with it. It's the Fed that does. Yellen is doing what she thinks is right to spur on the economy. 

I have heard that they want to raise the rates 3 times next year & I don't think that will be good for us. The market, at least in my area, is not booming like in some. I think we will have a stall out.

Jan 12, 2017 03:01 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Time will tell. It's really up to the Feds. I imagine there will be close eyes on what is happening with jobs, salaries, inflation and more before making the next decision.

Jan 12, 2017 11:04 AM
Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

Michael & Gayle Ramsey Fujita AFAIK it's the fed that decides this and a few points raised may actually be ok based on the state of the economy

Then again I am not an economist LOL

Jan 13, 2017 06:00 AM
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

I've been saying the same thing for two years. The rates have been held low to encourage real estate sales which is propping up the economy. We need to let the market correct; I just hope it doesn't over-correct.

Jan 13, 2017 05:24 AM
Les & Sarah Oswald
Realty One Group - Eastvale, CA
Broker, Realtor and Investor

It is hard to predict what will happen in 2017. Presidential promises and realistic goals at times are two different things. I see interest rates rising due to our current economic progress and recent inflation on the horizon.

Jan 12, 2017 03:25 PM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

The needs of the many outweigh the needs of the few. This is what is at work

Jan 12, 2017 02:03 PM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

It's interesting  to know that even when rates are higher (much higher) people are still buying homes.  I too remember the high interest days and when I started buying up homes I thought anything under 10% a good deal! Funny thinkingn about that now all these years later. Will rates go up - most likely and hopefully it will be gradual.

Jan 12, 2017 12:30 PM
Harry F. D'Elia III
WEDO Real Estate and Beyond, LLC - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

I believe rates to hit 5% my prediction

Jan 12, 2017 12:16 PM
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

Even before the election, there was a prediction that mortgage rates would go up.  Not tremendously, but up toward 5% by the end of the year. This will knock out some of the lower end buyers, but does speak of a healthier economy.

Jan 12, 2017 10:48 AM
Annette Lawrence , Palm Harbor, FL 727-420-4041
ReMax Realtec Group - Palm Harbor, FL
Making FLORIDA Real Estate EZ

Knowingthe stock market has never been a logical or rational indicator of anything, I would anticipate interest rates WILL (and should) GO UP.

Marginal buyers will be squeezed out of home buying temporarily. Real estate professionals and their associates will companion with allied partners to create solutions that will enable these buyers.

Commentary from real estate professionals, with data from their LO of choice, should provide a today monthly payment and as well as what that payment may be six months away with a 0.25 rate increase. Ad this message to the previously mentioned solution and business will continue.

Be aware, the winds that currently blow in DC have little concern for the eternal class struggle of daily existence. If you don't have money now, tomorrow may be more difficult. Hey, that was going to happen anyway, but the causes will change.


Jan 12, 2017 10:32 AM
Roy Kelley
Retired - Gaithersburg, MD

Mortgage interest rates will go up. Smart consumers are not willing to gamble on this issue.

Jan 12, 2017 10:19 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

I think that we will see as it all unfolds. 

Jan 12, 2017 10:15 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I don't know.

Feb 07, 2017 07:17 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

My lender said he doesn't see much of an increase in rates for 2017.

Jan 14, 2017 11:40 AM
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

I think we will see another bump, but not a big jump. 

Jan 13, 2017 08:36 PM
Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

Rates will continue to climb

Jan 13, 2017 12:24 PM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Not going over 5% but that is a guess.


Jan 13, 2017 10:46 AM
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

No idea.

Jan 13, 2017 09:05 AM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

Like Reagan , he understands the power of INCENTIVE

Jan 13, 2017 05:39 AM
Marco Giancola
Beachfront Realty - Miami Beach, FL
Realtor (305)608-1922, Miami Beach Florida

When you ask next year I assume your are talking about 2018. That I can not comment on. In 2017 it looks like we may add a point by years end.

Jan 13, 2017 05:33 AM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Scott Godzyk nailed this one!

Jan 13, 2017 05:12 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

There is no doubt in my mind that interest rates will go... the only question is by how much.

Jan 13, 2017 04:25 AM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC

I remember when interest rates were in the high 11's - people still bought homes then.  I think we, as a nation, have been spoiled for the past few years with historically low rates.  POTUS won't have a lot to do with the rates - the FEDS will manage it as they see fit.

I do agree with several others - what we need are jobs and to stop the artificial rates so our economy can boom again!

Jan 12, 2017 10:58 PM
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

My lenders are thinking  no higher than 5% through 2018.

Jan 12, 2017 10:06 PM
Diana White-Pettis
Bennett Realty Solutions - Upper Marlboro, MD
GRI, CDPE, CNE, WHC Upper Marlboro Homes for Sale

Mortgage rates will go up.

Jan 12, 2017 09:40 PM
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Michael & Gayle Ramsey Fujita - mortgage interest rates depend on many other factors - not just this one factor, to best of my knowledge.

Jan 12, 2017 08:44 PM
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

5%-6% in 2017...... 30 year fixed, conforming....

This gives consumers 0.5-0.7% interests in savings instead of 0.04-0.08%....

Jan 12, 2017 08:11 PM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

I predict 4-5% interest rate increases in 2017..they do need to rise..we can't keep these artificially low interest rates to continue.

Jan 12, 2017 07:49 PM
Sybil Campbell
Fernandina Beach, FL
Referral Agent Amelia Island Florida

I agree with what Ken Jones said, he seems to have a good handle on what is happening.

Jan 12, 2017 07:25 PM
Tony Lewis
Summit Real Estate Group - Valencia, CA
Summit Real Estate Group Valencia & Aliso Viejo

I see rate rising along with bank stocks.

Jan 12, 2017 06:45 PM
William Feela
Realtor, Whispering Pines Realty 651-674-5999 No.

I hope they go us a bit

Jan 12, 2017 05:52 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

Only time will tell.


Jan 12, 2017 05:50 PM
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

      Not a personal attack - just an opinion - I think that the Fed kept rates artificially low to make Obama look good.  Now they will let the rates creep back up. 

     I don't see the rates going absurdly high, but any increase will have an adverse affect on prices, and on ability to purchase.

Jan 12, 2017 04:56 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

I fully expect them to rise as the economy continues to recover. They have been suppressed over the last few years.

Jan 12, 2017 03:50 PM
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

We can't go by anything that was said during the campaing process.

Jan 12, 2017 02:28 PM
Toronto, ON

Interest rates and economic issues in other countries are just some of the factors that the Bank of Canada takes into account when setting its rates.  Others may or may not take adjust their interest rates at any time before or after the Bank of Canada adjusts its rates.

Jan 12, 2017 01:20 PM