Category: How Mortgage Rates Work
ANALYSIS
How We Got Here – Why Mortgage Rates Probably Aren’t Going Back to 3%
A lot of homebuyers are stuck in the same holding pattern: waiting for mortgage rates to drop back down to where they were in…
PUBLISHED AUG 2026 EXPLAINERWhy a Fed rate cut doesn’t lower your mortgage rate.
The federal funds rate is an overnight rate. A mortgage is a 30-year loan. Here's the only real link between them, why the Fed follows the market rather than leading it, and what the record since 2020 actually shows.
PUBLISHED AUG 2026