Fed Rate Cuts: What It Means for Mortgages

The Fed just cut rates in December. That does not mean mortgage rates

instantly drop. Mortgages follow bond markets, not the Fed directly.

For buyers, rates may ease slightly, but don't expect a sudden bargain

window. For sellers, this helps bring hesitant buyers back, but pricing still

matters. As for 2026, expect slow, gradual changes, not dramatic drops.

This is an opportunity, not a shortcut. Smart moves still win.