🚨 BREAKING UPDATE 🚨

💬 Everyone hears “Fed rate cut” and instantly expects cheaper home loans — but that’s a BIG misunderstanding ❌🏠

📉 Mortgage rates don’t move lockstep with the Fed’s short-term cuts. They’re driven by long-term bond yields, inflation outlooks, and how risky lenders think the road ahead looks. If inflation stays stubborn, government debt keeps climbing, and investors demand higher returns, home loan rates stay high — even after a cut.

⏳ Timing matters too. Markets usually price in rate cuts long before Powell says a word. When the cut finally arrives, it’s often already baked in. If traders hoped for faster or deeper easing and don’t get it, long-term rates can actually climb 📈😬

⚠️ There’s another issue: the Fed often cuts because economic growth is slowing, not because things are booming. That sparks fears about job losses, loan defaults, and higher risk — pushing lenders to keep mortgage rates elevated for protection 🛡️

🔍 The takeaway: A Fed rate cut helps banks borrow overnight, not your 30-year mortgage. Until inflation truly cools and long-term bond yields drop, mortgage rates won’t fall enough to make a real difference for buyers. 🏡💸

$ZEC $g

ZEC

423.28

-6.91%

$GIGGLE

GIGGLE

71.32

-0.26%

#MortgageRates #FedWatch #interestrates #HousingMarket #EconomicReality