02/09/2026
One of the best clear explanations on FED rate vs Mortgage rates and what may or may not come with FED chair change here soon!
https://housingnewsletters.com/kevin-meyerhoff/article/698636247e2b375ba7bd9ee2
https://housingnewsletters.com/kevin-meyerhoff/library/632e473eef29df267fabd503
Apart from the small minority of loans like certain lines of credit that are actually tied to the Fed Funds Rate, there's a common misconception that the Fed "sets" (or hikes/cuts) mortgage rates directly. Even among people who know better, there is often a belief that changes in the Fed Funds Rate....