According to Freddie Mac data, mortgage rates in the USA are still about 1.25% below end of last year (2018) rates. In other words, a 10% down, $350,000 home’s monthly mortgage payment is about $200 per month less expensive than it was last year. For this reason, this year multiple homeowners have refinanced.
Forecasts for these last couple months of 2019 indicate for rates to be around 3.85%, which is still lower than many predictions at the beginning to the year indicated - rates in the 5s.
Please find the Mortgage Rates Forecast for this entire year (2019):