Why Mortgage Rates Aren’t Dropping (Yet): What Falling Fed Rates Really Mean for You

Описание: Fed cuts ≠ instant mortgage savings. In this episode, Neal Watson, CFP®, and Tyler Brautigan, CFP®, explain why mortgage rates don’t fall 1-for-1 with the Fed. You’ll learn the real drivers—10-year Treasury yields, a sticky mortgage spread, and lender costs—plus what to watch next and how to decide if refinancing makes sense for you.

What you’ll get:

A clear, plain-English breakdown of why mortgage rates lag

The three signals to watch: 10-Year Treasury • Mortgage Spread • Lender Costs

A simple refi checklist (rate savings vs. costs, break-even months, time in the home, credit/equity, and goals)

Quick math example so you can feel the savings in dollars

Tips on rate locks and float-down options

Want help with your numbers?
DM us “REFI” for a quick, 2-minute break-even check, or visit https://cfswv.com
to connect with our team at Commonwealth Financial Services (serving the Mid-Ohio Valley).

👍 If this helped, like, subscribe, and drop your questions in the comments—we read them all.

Educational only; not individualized advice. Please consult your own advisor before making decisions.

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