Does the Fed Control Mortgage Rates? Here’s the Truth

Описание: Many homebuyers believe the Fed controls mortgage rates — but that’s not how it actually works.
In this video, we explain why the Federal Reserve does NOT directly control your mortgage rate and what really influences the rate you pay when buying a home.

In this video, you’ll learn:

Why Fed interest rate decisions don’t directly set mortgage rates

The difference between the Fed Funds Rate and mortgage interest rates

How bond markets and investor demand impact mortgage pricing

Why mortgage rates can stay high even when the Fed cuts rates

What homebuyers should actually focus on when tracking mortgage rates

If you’re planning to buy a home, refinance, or just want to understand how mortgage rates really work, this video will clear up the confusion and help you make smarter real estate decisions.

📌 Whether you’re a first-time buyer or an experienced investor, understanding mortgage rates can save you thousands of dollars over time.

00:00 Why Mortgage Rates Feel Confusing
00:49 The Biggest Misconception About the Fed
01:03 Why Mortgage Rates Are Different
01:38 How the Bond Market Really Works
01:58 Bonds vs Mortgage Rates Explained Simply
02:30 Inflation and Interest Rates
03:00 Jobs, the Economy, and Rate Movement
03:30 Fear, Uncertainty, and Market Reactions
03:55 Where the Federal Reserve Actually Fits In
04:32 The Real Takeaway for Buyers & Homeowners
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