11/13/2026
Why doesn't the Fed just lower rates?
It's a fair question, and one we hear a lot.
The Fed has to balance borrowing costs with inflation and the overall health of the economy. Cutting rates too quickly could actually push inflation higher.
And here's something many people don't realize: The Fed doesn't directly set mortgage rates. Those are influenced by inflation, the bond market and other economic factors. That's why mortgage rates don't always move in the same direction as Fed rate decisions.
Out recommendation? Don't put your homebuying plans on hold waiting for the Fed. Let's talk about today's market, your options and what makes sense for you.