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Market Commentary  22474
June, 2016 Data:

12 MONTH FORECAST
The 12 month forecast for the Adjustable Rate Mortgage Interest Rate is in the
table at the top of this page. Forecast-Chart.com is forecasting that Adjustable
Rate Mortgage Rates will be roughly 2.80% in one year. The table shows a
HDTFA of 0.25% which suggests that the July, 2017 rate could easily fall
between 3.06% and 2.55%. Forecasts for many other interest rates may be
found by clicking INTEREST RATE FORECAST at the top of this page.

HISTORICAL ADJUSTABLE RATE MORTGAGE RATE
Average (Last 12 Months)        2.72%.
Average (Last 10 Years)          3.68%
High (Last 12 Months)             2.98% (January, 2016)
Low (Last 12 Months)              2.52% (July, 2015)
High (Since January, 1984)    12.20% (July, 1984)
Low (Since January, 1984)      2.37% (August, 2014)

MONTHLY ADJUSTABLE RATE MORTGAGE RATE
Jul,   2015     2.52%
Aug, 2015     2.60%
Sep, 2015     2.59%
Oct, 2015     2.56%
Nov, 2015     2.63%
Dec, 2015     2.66%
Jan,  2016     2.98%
Feb, 2016     2.83%
Mar, 2016     2.90%
Apr,  2016     2.83%
May, 2016     2.81%
Jun,  2016     2.78%



HIGHLIGHTS
The Adjustable Rate Mortgage Interest Rate for June, 2016 averaged 2.776%.
That's 4 basis points lower than the May, 2016 rate of 2.8125%, and 24 basis
points higher than the June, 2015 rate of 2.54%.  The fall in rates from May to
June indicates that the short term rate trend has been down. If that market
trend continues, we should see an average daily rate in July, 2016 that is close
to 2.7395%.

The average Adjustable Rate Mortgage Rate for the last 12 months was 2.72%.
The average rate over the last 10 years was 3.68%.  Lower rates over the last
12 months compared to the average rates over the last 10 years serve as an
indicator that the long term rate trend in Adjustable Rate Mortgage Rates is
down.

The highest annual rate over the last 12 months was 2.98%. The lowest was
2.52%. The high annual rate was attained in January, 2016. The market low
was achieved in July, 2015.

Forecast-Chart.com's historical research covers Adjustable Rate Mortgage
Rate data back to January, 1984. The average annual rate during that period
of history was 5.65%. The highest rate was 12.20%. The lowest rate was
2.37%.  The market high was attained in July of 1984. The market low was
achieved in August of 2014. Recent rates experienced in June of 2016 are low
relative to the historical 5.65% average.

This page provides a five year chart and a forecast for Adjustable Rate
Mortgage Interest Rates. For links to longer term charts, look at the links under
the five year chart (above). One link opens a ten year chart. Another opens our
longest term graph on Adjustable Rate Mortgage Rates. Just one glance at our
long term charts can provide tremendous insight into the historical trends of the
financial markets. The data table above presents the history of the Adjustable
Rate Mortgage Rate in numerical format.
























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Average daily rate per month for conventional, conforming, treasury-Indexed  adjustable mortgage
rates are shown in gray.  From January of 2016, the 5/1 Series is used. Prior to that date, the 1 Year
series is used. Source: Freddie Mac. The forecast for the  target month is shown in green.
Adjustable Mortgage Interest Rate - 5 Year History
Adjustable Mortgage Rate Forecast
Target Month
Forecast
HDTFA
Interest rate forecast for the conventional,
conforming, Treasury Indexed 5/1 year
Adjustable Rate Mortgage Rate Series during
the target month shown at the left.
June 2017
2.80%
0.25%
Updated Monday, August 1, 2016.
Adjustable Rate Mortgage Interest Rate Forecast
4.5%
5.0%
5.5%
6.0%
Adjustable Rate Mortgage Forecast
Mortgage Topics
4.0%
3.5%
3.0%
2.5%
2.0%
Historical Adjustable Rate Mortgage Rates
Year
Percent
Year
Percent
Year
Percent
Year
Percent
1984
1985
1986
1987
1988
1989
1990
1991
1992
11.49
10.04
8.42
7.82
7.90
8.8
8.36
7.10
5.63
1993
1994
1995
1996
1997
1998
1999
2000
2001
4.59
5.33
6.07
5.67
5.61
5.59
5.98
7.04
5.83
2002
2003
2004
2005
2006
2007
2008
2009
2010
4.62
3.75
3.89
4.49
5.53
5.56
5.17
4.71
3.79
2011
2012
2013
2014
2015
3.04
2.69
2.62
2.44
2.53
Average annual rates for Adjustable Rate Mortgages are shown in this table:
1984 to present
Current Analysis & Forecast: Adjustable Rate Mortgage Rate
1/11
1/2012
1/2013
1/2014
1/2015
1/2016
1/2017
1/18