08/27/2026
Fed lowering rates, I know can be confusing!
I explain why the Fed cutting rates doesnāt automatically drop mortgage rates and what actually moves them. Mortgage rates ride on the ten-year treasury and mortgage-backed securities, which move based on investor expectations of inflation, jobs, and the economy. By the time the Fed cuts, the market has already priced it in, so rates may even bump up. What really matters for you is your credit, down payment, loan program, and whoās structuring the deal. Iāve helped hundreds of clients get into homes, even after others said no.