The Fed’s cutting rates… so mortgage rates are about to drop, right?

Not exactly.

Here’s what’s really going on:When the Fed lowers the federal funds rate, that impacts short-term stuff — credit cards, car loans, HELOCs, and those “buy now, cry later” payment apps.

But mortgage rates?They play by different rules.

They move more with inflation trends and investor confidence — not a single button Jerome Powell presses from a secret control room.

And fun fact:The last four times the Fed cut rates, mortgage rates actually went up right after.Why?

Because the markets already saw it coming and priced it in.If the Fed sounds even slightly nervous about inflation or the economy? Boom — rates can jump anyway.

So waiting for the Fed to “bring mortgage rates down” is like waiting for your mailman to fix your Wi-Fi.

Wrong person. Wrong connection.

If you really want a plan that works, let’s look at your numbers, track the indicators that actually move mortgage rates, and build a smart strategy around that.

Because smart buyers don’t chase headlines — they make informed moves.