Should I wait for mortgage rates to drop? Why mortgage rates don’t follow the Fed

Should I wait for mortgage rates to drop? That’s one of the biggest questions buyers are asking right now. In this video, I break down why mortgage rates don’t follow the Fed and explain how mortgage rates work 2026 so you can make smarter decisions about buying or refinancing.

Many homebuyers assume that when the Federal Reserve cuts rates, mortgage rates automatically fall. But that’s not how it works. I explain the difference between fed rates vs mortgage rates, how the bond market influences mortgage rate movement, and why expectations, not headlines, drive home loan rates.

If you’re trying to decide whether now is the right time to buy, waiting for a rate drop may not be the strategy you think it is. Understanding why mortgage rates don’t follow the Fed can help you avoid costly timing mistakes. Whether you’re buying in Massachusetts, Florida, New Hampshire, or Rhode Island, I help clients understand how mortgage rates work 2026 and build a strategy based on their personal financial goals – not media noise.

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🤔Thinking of Financing Your Home? Let Me Help!
Book a free mortgage strategy call to review your buying power and options.
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📱Call or Text: (617) 965-1988 x205
📨 Email: info@indmortgage.com

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