Minneapolis, MN: It looks like 2019 will go down in the record books as one of the best years for stocks in the past decade, yet mortgage rates still remained low (which isn’t how it usually goes).

What’s in store for 2020 then? Well, we can only take guesses, but mortgage rates should still do OK, and stocks are widely expected to continue to improve a little bit or at least hold their own.

On the housing end, according to Freddie Mac’s end-of-year forecast, the housing market is primed for “modest growth” in 2020 and 2021, as healthy job growth, historically small unemployment numbers and low interest rates continue to cultivate an advantageous ecosystem.

They also project mortgage interest rates to stay low over the next two-years, with a guess that the 30-year fixed rate will average around 3.80% through 2021.

They predict yearly home sales to increase slightly, from 6 million homes in 2019 to 6.2 million in 2020, and 6.3 million in 2021.

Finally, they predict home prices nationwide will continue to grow, but slow down to an annual rate of about 2.8% in 2020, down from 3.2% in 2019.