Understanding Federal Reserve's Role in Mortgage Rates

Understanding the Federal Reserve's Role in Mortgage Rates
Learn how Fed meetings affect mortgage rates and what it means for borrowers. Discover trends, impacts, and expert predictions on mortgage rates.
What This Week's Fed Decision Means for Mortgage Rates
Policy changes from the Fed: When the Fed adjusts the federal funds rate, it spills over into many aspects of the economy, including mortgage rates. The federal funds rate affects how much it costs banks to borrow money, which in turn affects what banks charge consumers to make a profit.
With Mortgage Rates Near a 4-Week Low, How Much Would Your Monthly Payment Be?
Mortgage rates are up just a couple of basis points since last week, keeping them near their post-Christmas low. Rates on new 30-year fixed-rate loans averaged 6.98% on Friday, as compared to the 4-week low of 6.93%. 15-year loans saw their Friday-to-Friday average rise a more sizable 8 basis points, now up to 6.14%.
Mortgage rates saw their first drop in six weeks — and this is the No. 1 mortgage provider in January 2025
We analyzed mortgage reviews on 10 major financial sites to find out which providers landed on the most “best mortgage” lists
Mortgage Predictions Weekly: What Fewer Fed Cuts Mean for Homebuyers
Even the Federal Reserve, which sets a short-term benchmark interest rate for lenders, only indirectly impacts the mortgage market. The Fed is expected to hold interest rates stea
Today's Mortgage Rates | Rates May Not Drop Much This Year
These are today's mortgage and refinance rates. Mortgage rates may only drop a little bit this year since the economy is still running strong.
The Fed sent stocks spiraling after its last meeting, and now the central bank is expected to leave interest rates untouched on Wednesday
The Fed signaled as much at its last meeting in December, when the central bank delivered an interest cut, but hinted that it ...
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Today's best savings rates
A year ago, the best savings rates were over 5% APY. But as inflation showed signs of cooling toward the end of the year, the ...
New Zealand central banker says rates moving toward neutral
A New Zealand central banker on Wednesday said the official interest rate will tend towards neutral in the absence of future ...
Cancer Rates Are Skyrocketing — Here Are 7 Things You Can Do To Reduce Your Risk
The Mayo Clinic provides a perspective on 7 ways that individuals can reduce their risk: Eat healthier foods (thereby also ...
FOMC expected to stand pat on rates on Wednesday; forecasts vary widely on the path ahead
The Federal Open Market Committee is expected to hold its policy rate at 4.25%-4.50% on Wednesday, the first pause since it ...
Why you may be getting 'shortchanged' on certificate of deposit interest rates, researcher says
It's often a better deal for consumers to pick a long-term certificate of deposit and pay an early withdrawal penalty than ...
Where to Save Your Money Now That Interest Rates Are Lower
When rates drop, you can miss out on interest earnings if you're not seeking the best place for your money and adopting ...
Mortgage Rates Holding Near 2025 Low
Friday, ending the week just a few basis points above their lowest level of the new year. Many other loan types also saw ...
State lawmakers are pushing for vaccine exemptions even as childhood vaccination rates fall
Vaccination bills are popping up in more than 15 states as lawmakers aim to potentially resurrect or create new religious ...
The Fed Is About to Hit Pause on Rate Cuts. Here’s Why.
Faced with a solid economy and mounting inflation concerns, the U.S. central bank has said it will “move cautiously” on ...