09/17/2025
🚨 The Federal Reserve is expected to cut the Fed Funds rate today.
According to the CME FedWatch tool, there’s a 96.1% chance of a 0.25% cut and a 3.9% chance of a 0.50% cut to the Fed Funds Rate.
What does this mean?
The Fed Funds Rate directly impacts short-term rates (like credit cards and HELOCs).
Mortgage rates, however, are tied more closely to the bond market, so the rates don't move the same way as the Fed rate decisions.
In fact, when the Fed cut rates last year, mortgage rates actually went up.
👀 So the big question: What will happen to mortgage rates after tomorrow’s decision? Either way, if you have questions, I'm here to help. Mortgage rates have already come down significantly and home values have risen significantly the past few years, so it might be a good time to review your mortgage and look into options to use your home equity to lower other expenses to increase your household cash flow
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