09/17/2026
The Fed raised rates yesterday. Here's the part nobody's covering. 👇
On Wednesday, the Federal Reserve raised its benchmark rate by 0.25 percentage points. It's the first increase since 2023, and Fed officials say another one could come before the end of the year.
Sounds like bad news for buyers, right? Not so fast.
The Fed doesn't set mortgage rates. Mortgage rates move with inflation, the bond market, and the broader economy, and they can change every day.
The Fed is one piece of the puzzle, not the whole thing.
Here's what buyers should actually pay attention to.
🏡 More homes to choose from. There are 1.62 million homes for sale nationwide, the most since 2019. That's a 4.9-month supply, the highest in over a decade.
🤝 More room to negotiate. More options can mean more leverage with sellers. And it's not just about price. Depending on the home and the seller, you may be able to ask for credits toward closing costs or for repairs to be handled before you move in.
⏳ Waiting is a gamble. Nobody can predict where rates go next. What you can control is finding the right home and building the right plan.
📋 The right plan starts now. A full pre-approval puts you in a strong position to act when the timing's right. There's more than one way to structure a home loan, and we'll help you find the one that fits your budget and goals.
Thinking about buying this year? Wondering what this means for you? Let's talk!
📞 813.480.4747
📧 [email protected]
