Mortgage rates are influenced by various factors, including market conditions and your personal credit and financial situation. Mortgage rates change frequently, but you can minimize the fluctuations by requesting a rate lock.

After jumping to a one-year high less than two weeks ago, 30-year mortgage rates have fallen five of the last seven days and are now down to early-May levels.

Here's what experts say homebuyers can realistically expect to happen with mortgage rates in the coming months.