10/15/2026
🚨 TRUE OR FALSE: When the Fed cuts rates, mortgage rates automatically go down too. 👀🏡📉
If you answered TRUE… you’re definitely not alone. 😂
But it’s not quite that simple.
I just read “Myth vs. Reality: Does the Fed Control Mortgage Rates?” and it breaks down one of the biggest misconceptions I hear all the time.
The Fed matters, absolutely — but mortgage rates are influenced by a much bigger mix of things, including inflation, the economy, investor expectations, and the bond market.
Which means waiting to buy, refinance, tap equity, or move up based only on “I’m waiting for the Fed” may not be the strategy you think it is. 😅
I’m not giving away the whole article here 😉 but if you’ve ever wondered why mortgage rates sometimes move differently than the headlines suggest they should, this one is definitely worth the click. 🔗
Then answer this:
If mortgage rates stayed roughly where they are for the next 6–12 months, would you still want to buy, refinance, renovate, or move up? 👇💬 NMLS # 248990
Sometimes the smartest move isn’t predicting the market perfectly. It’s knowing what still works for you if the market doesn’t cooperate exactly the way you hoped.
The Fed doesn’t directly set mortgage rates, but its decisions can influence them. Here’s what buyers and sellers should know.