01/30/2026
Big news out of Washington this week:
Kevin Warsh has been nominated to serve as the next Chair of the Federal Reserve, once Jerome Powell’s term ends in 2026. The nomination still requires confirmation, but markets always start paying attention early.
Why does this matter for rates?
Warsh is known for being focused on inflation control and Fed credibility, but more recently he’s talked about something important: Shrinking the Fed’s balance sheet as a way to potentially allow lower short-term rates without reigniting inflation.
Translation: Mortgage rates don’t move on headlines — they move on policy decisions, inflation expectations, and where money flows.
This doesn’t mean rates suddenly drop or spike. It means we may see stability — and possibly gradual improvement — depending on how policy actually unfolds.
If you’re buying, refinancing, or just trying to time your next move, this is why staying in touch matters. The right strategy changes before the headlines do.
📲 If you want real-time guidance as things evolve, we are always happy to be a resource.
Mortgage rates are subject to change based on market conditions, borrower qualifications, and loan program guidelines. This is not a commitment to lend. NMLS #2129.