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…

May 9, 2025 So far in 2025, the Federal Reserve (the Fed) has decided not to lower interest rates just yet. This choice shows they are being careful as the economy faces some uncertainty, especially around rising prices (inflation) and changes in trade with other countries like China. The Fed kept its key interest rate…