09/16/2026
FED MEETING TODAY — BUYERS STILL HAVE OPTIONS
The Federal Reserve’s September meeting concludes today, with the policy statement scheduled for 2:00 p.m. ET and the press conference at 2:30 p.m. ET. Markets are watching closely for any change in rates, but buyers should remember that the Fed does not directly set mortgage rates, and mortgage pricing can move before or after the announcement based on broader market expectations.
If you’re concerned about higher mortgage payments, you may have alternatives to simply choosing an adjustable-rate mortgage.
Temporary Rate Buydowns can lower the effective interest rate and monthly payment during the first 1, 2, or 3 years of the loan, giving buyers additional flexibility while keeping a fixed-rate structure available.
875% can reduce your Initial interest rate by 1%
Options may include:
1-, 2-, and 3-year temporary buydowns
Conventional 15- and 30-year fixed loans
Certain ARM programs
Conventional, FHA and VA 15- and 30-year fixed purchase loans
Jumbo 30-year fixed purchase loans
Primary residences and qualifying second homes
Manufactured homes
Certain rate-and-term refinances
The key takeaway: higher-rate headlines do not necessarily mean you should put your home search on hold. The right financing strategy can make a meaningful difference in your payment during the first few years of ownership.
Let’s look at the options available and structure the purchase around your goals and budget.
Adolfo “A.D.” Diaz, PA
Century 21 Sunbelt Realty
239-872-7936
[email protected]
www.AdolfoDiaz.com
*Loan programs, rates, payments, and eligibility are subject to lender guidelines, borrower qualification, underwriting approval, and market conditions.
