With 30-year fixed home loan rates remaining over 6% for three years now, 5% home loan rates are a faint memory. Most housing experts aren't expecting mortgage rates to move much lower through the end of this year, or even in 2026. However, a major economic setback could change that. When will mortgage rates go down to 5%? What would trigger lower mortgage rates? Realtor.com chief economist Danielle Hale said it's a matter of time. "The most likely catalyst is time. As time goes by, as you get closer t ...