Understanding Federal Reserve's Role in Mortgage Rates

Mortgage rates saw their first drop in six weeks — and this is the No. 1 mortgage provider in January 2025
We analyzed mortgage reviews on 10 major financial sites to find out which providers landed on the most “best mortgage” lists
This Week's Mortgage Predictions: The Fed Isn't Rushing to Lower Interest Rates
Average 30-year fixed mortgage rates have remained around a steep 7% for several weeks. While President Donald Trump has claimed he will bring mortgage rates down to 3% -- which would indicate a severe economic crisis -- the president doesn't set rates on home loans.
Understanding the Federal Reserve's Role in Mortgage Rates
Learn how Fed meetings affect mortgage rates and what it means for borrowers. Discover trends, impacts, and expert predictions on mortgage rates.
With Mortgage Rates Near a 4-Week Low, How Much Would Your Monthly Payment Be?
Mortgage rates are up just a couple of basis points since last week, keeping them near their post-Christmas low. Rates on new 30-year fixed-rate loans averaged 6.98% on Friday, as compared to the 4-week low of 6.93%. 15-year loans saw their Friday-to-Friday average rise a more sizable 8 basis points, now up to 6.14%.
What This Week's Fed Decision Means for Mortgage Rates
On Wednesday, the Fed is expected to announce a pause from its rate-cutting path. What does that mean for mortgage rates? If Fed Chair Jerome Powell signals concerns about inflati
Mortgage rates decline slightly, but help from the Fed isn’t coming
Federal Reserve officials are almost certain to leave benchmark rates unchanged on Wednesday, which would end a run of three straight cuts.
Average mortgage rate slips below 7%, falling for first time in 5 weeks
The average rate on a 30-year mortgage in the U.S. eased this week to just below 7%, its first decline after climbing five weeks in a row. The rate fell to 6.96% from 7.04% last week, mortgage buyer Freddie Mac said Thursday. A year ago, it averaged 6.69%.
Today's Mortgage Rates | What This Week's Fed Meeting Means for Mortgage Rates
These are today's mortgage and refinance rates. The Fed isn't expected to cut rates this week, but we may see mortgage rates fluctuate anyway.
Mortgage Predictions Weekly: What Fewer Fed Cuts Mean for Homebuyers
Even the Federal Reserve, which sets a short-term benchmark interest rate for lenders, only indirectly impacts the mortgage market. The Fed is expected to hold interest rates stea
Mortgage Rates Holding Near 2025 Low
Friday, ending the week just a few basis points above their lowest level of the new year. Many other loan types also saw ...
History of monthly mortgage payments: Comparing costs then and now
Yet, mortgage payments rose 50 years ago, too. Between 1971 and 1981 — also boosted by prices and rates — the typical monthly ...
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Mortgage Rates Only Moderately Lower After Tech Rout
There are two distinct patterns of behavior when it comes to rates interacting with stocks.  The first could be called the ...
There's a key silver lining for hopeful homebuyers after the least affordable housing market in 40 years — and it's not lower mortgage rates
Last year's housing market was the least affordable since 1984. However, top real-estate analyst Ivy Zelman sees a huge silver lining for buyers.
Over 6 Million Americans Are Late on Mortgage Payments
Over 6 million Americans are late on their mortgage payments, according to a study.