Mortgage Rates Expectations: Trends and Predictions

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I have been in the mortgage and lending industry for nearly 14 years—I'll actually reach that milestone next month. Most of my experience has been as a sales leader, where I’ve championed systems and processes and focused on developing teams. My career has primarily been in sales, retail, and mortgage lending. I spent 13 years with my previous employer, a retail mortgage company, before moving to my current role on the broker side, which I’ve found even more rewarding. In addition to sales, I have extensive expertise in client service, leading client service teams, and managing social media response.

Q2. Based on what you’re seeing firsthand with borrowers, where is mortgage demand holding up best despite affordability pressures—and what’s driving it?

From my firsthand experience, I feel confident being on the broker side because we can offer clients more options than retail lenders. Right now, I’m seeing a client population that’s understandably anxious—many are held back by economic uncertainty and reluctant to make changes. Still, if you take the time to reassure clients and guide them carefully, many …