Today’s Lesson: Why Mortgage Rates Don’t Always Follow The Fed

September 17, 2025 The Fed Just Cut Rates. Tell Me Again Why Mortgage Rates Didn’t Drop Too? The Federal Reserve lowered the Fed Funds Rate by 0.25% today. You might assume mortgage rates will fall by the same amount (which seems perfectly logical, btw). But here’s the twist- mortgage rates didn’t drop. In fact, they…

August 22, 2025 The Fed’s Dual Mandate The Federal Reserve has two main goals they shoot for to keep the U.S. economy humming along: Keep inflation near 2% Maintain maximum employment (as long as it doesn’t push inflation above that 2% target) The federal funds rate is the Fed’s primary tool for managing both of…