06/15/2026
Are mortgage rates determined by the Federal Reserve? Not exactly.
While the Fed does not directly set mortgage rates, its decisions can influence the broader economy and financial markets, which can impact borrowing costs for homebuyers.
This week's blog explains the connection between the Federal Reserve, inflation, bond markets, and mortgage rates. Understanding how these factors work together can help you make more informed decisions when buying a home or refinancing.
If you've ever wondered why mortgage rates move the way they do, this is a great place to start.
Learn how the Federal Funds Rate impacts mortgage rates, including how rate hikes and cuts influence home affordability and borrowing costs.