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It Doesn't Matter If The FED's Cut Rates.
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🔥 Here’s a hot take… It doesn’t matter if the Fed cuts rates! Mortgage Rates can still come down! 💰 Last Friday reminded us of a crucial lesson: the Federal Funds rate doesn't directly impact mortgage rates. While everyone awaits the Fed’s decisions, it’s essential to remember this distinction. Even when the Fed raises rates, mortgage rates can drop, as we've seen in previous cycles. 📉
📈 Job growth unexpectedly slowed last Friday, leading to a rally in Mortgage-Backed Securities (MBS) and an improvement in mortgage rates. This demonstrates that market forces, not just Fed policy, influence mortgage rates. While lowering inflation and interest rates is crucial for many Americans, we shouldn’t solely rely on Fed actions for rate improvements. 🏠
🕰️ Looking back at past content, like younger Ryan explaining this phenomenon, serves as a great reminder of the evergreen nature of this topic. Leveraging such content helps reinforce today's point and emphasizes that mortgage rates can improve independently of Fed decisions. 💡
📉 Additionally, let’s not overlook the potential for QE interventions by the Fed to impact mortgage rates. While not ideal, it remains a possibility. Therefore, it’s important to recognize that various factors beyond the Fed's control can influence mortgage rates. 🔄
📚 In summary, while awaiting Fed decisions on rates, it's crucial to understand that mortgage rates can move independently. This recent reminder underscores the need to consider broader market dynamics and historical trends when analyzing mortgage rate movements. Share this insight with others to broaden their understanding and stay informed! 📊
Show Links:
The Truth About The FED & Mortgage Rates!
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