November 2025 Mid-Month Mini Newsletter
💡IDEA: The Fed Cut Rates — So Why Didn’t Mortgage Rates Drop?
Here’s a common question right now: “If the Federal Reserve cuts rates, shouldn’t mortgage rates go down too?”
Not necessarily.
The Fed controls the federal funds rate, which affects things like credit cards, auto loans, and short-term borrowing — not directly mortgage rates.
Mortgage rates are based on the bond market (specifically the 10-year Treasury yield), which reacts to inflation data, investor confidence, and long-term economic outlook — not the Fed’s moves alone.
So when you hear about a “rate cut,” it’s more of a signal to the market than a direct change. Sometimes mortgage rates even go up after a Fed cut if investors think inflation might rise again.
The big takeaway?
Fed rate cuts don’t automatically equal lower mortgage rates — but they can help improve long-term stability, which often matters just as much.
đź’ˇIDEA: Know a Great Holiday Light Installer?
Can you help us? We’re looking for some good local recommendations for holiday decorator!
If you’ve hired someone in the past to hang your exterior holiday lights — and they did a great job — would you mind sharing their info with me? We’ve already received a few requests from other clients, and our go-to folks are already booked! Are you lights up before Halloween or lights up a week before household? Personally, we lean on the side….on no, better hurry or we’re going to miss it!
