Expert: Robert R. Johnson, finance professor, Heider College of Business, Creighton University

Late 2020 mortgage rate forecast: 30-year loan: 3.47%. 15-year loan: 2.90%


Expert: Ralph DiBugnara, president of Home Qualified

Late 2020 rate forecast: 30-year loan: 4.25%. 15-year loan: 3.75%


Expert: Ben Mizes, CEO/founder, Clever Real Estate

Late 2020 rate forecast: 30-year loan: 4.0%. 15-year loan: 3.87%


Expert: Tamara Dorris, adjunct real estate professor at American River College

Late 2020 rate forecast: 30-year loan: 4.0%. 15-year loan: 3.25%


Expert: Michael P. Goldrick, chief lending officer for PCSB Bank

Late 2020 rate forecast: 30-year loan: 4.125%. 15-year loan: 3.5%


Expert: Colin Robertson, founder/owner, The Truth About Mortgage

Late 2020 rate forecast: 30-year loan: 3.625%. 15-year loan: 3.0%


Expert: James McGrath, co-founder, Yoreevo

Late 2020 rate forecast: 30-year loan: 4.0%. 15-year loan: 3.5%


Expert: Jeremy Sopko, CEO, Nations Lending Corporation

Late 2020 rate forecast: 30-year loan: 3.5%. 15-year loan: 2.75%


Expert: Lawrence Yun, chief economist for the National Association of Realtors

Late 2020 rate forecast: 30-year loan: 3.9%. 15-year loan: 3.4%


Expert: Michael Mesa, Certified Mortgage Planning Specialist with Fairway Independent Mortgage Corporation

Late 2020 rate forecast: 30-year loan: 4.5%. 15-year loan: 3.75%