When the Federal Reserve cuts rates, most people assume mortgage rates will drop — but that’s not how the system works. In fact, mortgage rates often rise or stay flat in the short term.
In this fiduciary insight from Raleigh Mortgage Broker Logan Martini of the Martini Mortgage Group, discover why Fed policy and real-world mortgage pricing often move in opposite directions.
Learn how bond markets, inflation expectations, and investor sentiment — not the Fed’s benchmark rate — drive home-loan costs. Whether you’re buying your first home, moving up, or refinancing, understanding this distinction can help you act with clarity instead of waiting for a “perfect” rate that may never come.