09/17/2026
The Fed raised rates… so mortgage rates went up too, right? Not necessarily!
Here’s the important part: the Federal Funds Rate and mortgage rates are not the same thing. While Fed decisions can influence the overall economy, mortgage rates are driven by several factors, including inflation, the bond market, and broader economic conditions.
For homebuyers: Don’t let a headline make you think you need to put your plans on hold.
For our Realtor partners: This is a great reminder that every market creates opportunities—and having the right lending partner can help your clients understand their options.
Have questions about what’s happening with mortgage rates? Talk to your local UHM Loan Officer. We’re here to help make sense of the market!
