Скачать или смотреть Fed Cut ≠ Cheaper Mortgage?! The Surprising Truth About Rates

Think the Fed cuts rates and your mortgage drops? Nope. Here’s why your monthly payment might not care one bit what the Fed does.

Everyone’s watching the Fed, waiting for the next big announcement. The assumption? If the Fed lowers its rate, your mortgage instantly gets cheaper. But that’s not how the game works.

Let’s break it down without the financial jargon.

Imagine apples and bananas. Apples are the Fed’s rate. Bananas are mortgage rates. When apples go on sale, bananas don’t magically drop in price. Same store. Different fruit.

Mortgages follow investors and bonds, not the Fed’s overnight rate. That’s why when the Fed cuts, Wall Street might throw a party, stocks may go up, but the bond market (where mortgage rates live) could actually make your mortgage rate worse.

Confusing? Sure. But here’s the point: if you’re waiting on the Fed to “bless you” with a lower payment, you could be waiting forever.

The truth is this: you need a plan based on strategy, not wishful thinking. Because timing the Fed won’t unlock homeownership or build wealth. Understanding how the mortgage world really works? That will.

👉 If you want clarity on how to navigate rates, and how to stop waiting for magic and start making confident moves toward buying your first home, let’s talk.

Don’t just follow the headlines. Get the facts that actually matter for your wallet. Subscribe for more straight-talk mortgage insights and DM me if you’re ready to get your plan in motion today.

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