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One of the most common and understandable questions buyers are asking right now is this: “If the Federal Reserve has cut rates, why is the 30-year mortgage still sitting in the high-5% to low-6% range?” At first glance, it feels like something is broken. Historically, many people associate Fed rate cuts with falling mortgage rates. […]
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The Federal Reserve held interest rates steady at its latest meeting, despite renewed pressure from the White House to move toward lower borrowing costs. While widely anticipated, the vote exposed growing internal disagreement and heightened external demands on Fed leadership. In particular, the dissent of Fed Governor Miran, a recent appointee of President Donald Trump, […]
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If you want the cleanest way to understand why housing felt like it “re-priced” in the 2020s, look at two markets that normally behave differently: From the end of 2019 to the end of 2025, both moved higher — but Cape Cod’s move was the loudest, and the “why” matters for what comes next. The […]
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During his administration, Donald Trump and senior housing officials increasingly scrutinized the role of large investment firms in the U.S. single-family housing market. The concern: institutional buyers—often backed by Wall Street capital—were purchasing significant numbers of homes, potentially crowding out individual buyers and first-time homeowners. What Prompted the Push Following the Great Recession, private equity […]
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The Federal Reserve cut interest rates today, but if you were hoping to see 30-year mortgage rates fall sharply, that didn’t happen. In fact, mortgage rates are still hovering above 6%—and after listening to Fed Chair Jerome Powell’s comments, it’s clear why. Powell sent a mixed message: the economy is cooling, inflation is improving, but […]
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The Federal Reserve is trying to sound disciplined on inflation, but its recent actions tell a very different story. Officials continue to warn that inflation remains too high — with residential real estate called out as one of the most persistent trouble spots. Yet at the same time, the Fed is signaling upcoming rate cuts, […]
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In short, a 50-year mortgage is simply a home loan with a repayment term of 50 years instead of the more common 30 years (in the U.S.). In some cases, the idea is being floated by policymakers (for example, the Donald Trump administration has recently proposed it) to improve housing affordability amid rising home prices […]
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Buyers everywhere are asking the same question: Should I wait for rates to fall before buying?To answer that, let’s look at what actually happens when you slide the rate—not the price. What-If Your Rate Changed by Just 1%? Here’s how a small shift in the 30-year mortgage rate changes the principal and interest payment (P&I […]
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iQoncept via Shutterstock
You’ve probably heard it everywhere: “I’m just waiting for rates to come down before I buy.” But here’s the truth — even though the Federal Reserve has started cutting interest rates, mortgage rates have actually gone up, not down. That might sound backward, but it’s not unusual. And it’s precisely why savvy buyers — the […]
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For years, home prices across the country have seemed unstoppable. But the Case-Shiller Home Price Index — one of the main ways economists track housing values — is starting to show something different: signs that the national market may be slowing down. Across the U.S., prices are still higher than they were a year ago, […]
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