06/18/2026
The Fed pressed pause again yesterdayโbut that doesnโt necessarily mean mortgage relief is right around the corner.
A common misconception:
โฌ Fed pauses = mortgage rates drop
Reality:
Mortgage rates are driven more by inflation, Treasury yields, and bond market sentiment than by the Fedโs headline decision.
Yesterdayโs message was clear:
Inflation is still sticky, and policymakers remain cautious.
Translation for the housing market:
Expect rates to stay reactive, not necessarily lower.
For anyone waiting on the โperfectโ rateโremember: you can refinance a rate, but you canโt always refinance the purchase price or missed opportunity.
Questions about your buying power or refinance options? Letโs connect.