05/03/2026
A potential shift at the Fed is adding a new layer of uncertainty—but the real story hasn’t changed: mortgage rates don’t follow the Fed, they follow the bond market. In today’s environment, that means more volatility, not a simple path downward.
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Something shifted today—and it wasn’t just the decision to hold rates steady. When Jerome Powell kept policy unchanged at the Federal Reserve, that part was expected. What wasn’t expected—and what the market is really reacting to—is the growing sense that the Fed itself
