Housing Wire staffer Ben Lane gives Freddie Mac's five housing predictions for the New Year, and, for some, these predictions may come as a surprise.

There are few housing changes that may come up in 2016, but Freddie Mac doesn't believe increasing interest rates are one of them. Mac's chief economist, Sean Becknetti says that interest rates should be at historically low levels. The 30-year fixed mortgage is expected to be below 4.5% next year.

Housing activity will grow in 2016 despite monetary tightening. Expect total housing starts to increase 16% year-over-year and total home sales to increase 3%.

While home purchases will increase next year, higher interest rates will reduce the refinance volume pushing overall mortgage origination's lower in 2016 than in 2015.

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