10/09/2026
🏡 MYTH VS. REALITY: DOES THE FED CONTROL MORTGAGE RATES?
You’ve probably heard that the Federal Reserve controls mortgage rates. But that’s not quite true.
🔷 MYTH: The Fed directly sets mortgage rates.
🔷 REALITY: The Fed influences them, but mortgage rates are also affected by inflation, economic conditions, employment and investor expectations.
Mortgage rates often move alongside the 10-year Treasury yield, so changes in the economy can have a big impact on what borrowers see.
🏠 What Does This Mean for You?
Buying? Get pre-approved so you know your true budget and talk with your lender about ways to make your payment work.
Selling? Today’s borrowing costs can affect buyer budgets, making the right pricing and strategy more important than ever.
Instead of trying to perfectly predict where rates are headed, focus on creating a plan that works for your situation today.
📞 Call or text me at (859) 312-6210.