05/28/2026
Think the Fed cuts rates and mortgage rates automatically fall? 🤔 Not exactly.
One of the biggest mortgage myths is that the Federal Reserve directly controls 30-year mortgage rates. In reality, mortgage rates are influenced by inflation, investor expectations, and the bond market.
That means a Fed rate cut can help push mortgage rates lower, but it doesn’t guarantee it.
💡 The takeaway: If you’re waiting for the “perfect” rate, focus on the bigger picture. Market conditions can change quickly, and opportunities don’t always come from Fed announcements alone.
What mortgage question should we cover in the next Mortgage Minutes? 👇
