01/30/2026
Fed held rates steady —What that means for homebuyers right now.
Mortgage rates don’t move one-for-one with the Fed; they follow inflation, economic outlook, and bond markets.
Short-term debt like credit cards is more directly tied to Fed policy, so card rates may ease slowly but won’t flip overnight.
If affordability is squeezing your household, planning matters more than headlines.
There are strategies—refinance timing, locking rates, managing credit—and the right move depends on your situation.
Ready to figure out your best step?
Let’s start with a conversation.
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Refinance
