06/19/2026
📈 Is Now the Time to Buy?
Many people assume mortgage rates move directly with the Federal Reserve. While the Fed certainly influences the market, mortgage rates are actually more closely tied to the yield on the 10-Year U.S. Treasury Note and broader bond market expectations. (MarketWatch)
This week, Federal Reserve officials signaled that future rate hikes may be back on the table due to ongoing inflation concerns. Markets have responded by pushing Treasury yields higher as investors anticipate the possibility of tighter monetary policy ahead. (Axios)
What does that mean for homebuyers?
If inflation remains elevated and bond markets continue pricing in the possibility of future rate increases, mortgage rates could move higher as well. While nobody can predict rates with certainty, today’s rates may look attractive compared to where they could be later this year. (Reuters)
If you’ve been waiting for the “perfect” time to buy, it may be worth taking a closer look now before the market potentially adjusts.
🏡 Whether you’re a first-time buyer, moving up, or investing in real estate, understanding the difference between Fed rates and mortgage rates can help you make a more informed decision.
If you’d like to discuss your options or see what today’s rates and payments look like for your situation, send me a message.
The median projection called for the federal funds rate to end 2026 at 3.8%, a quarter percentage point above the current target range.