Does the Fed set mortgage rates? Not directly. The Federal Reserve influences short-term interest rates and broader financial conditions, but it does not set the mortgage rate a homebuyer receives from a lender. This can be confusing because Fed news often shows up in mortgage headlines. When the Fed keeps policy tighter, markets may expect […]
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Builder sentiment and homebuyers are more connected than many people realize. When builders feel confident about current sales, future sales, and buyer traffic, they may be more comfortable moving new projects forward. When confidence is lower, builders may slow down, adjust pricing, or be more cautious about how much inventory they bring to market. For
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Inflation and mortgage rates are closely linked because inflation can shape how investors, lenders, and policymakers view the future cost of borrowing. When inflation runs hotter than expected, markets may expect interest rates to stay higher for longer. For homebuyers, that can affect monthly payments, affordability, and the timing of a purchase. Hot inflation does
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