Federal Reserve
The Federal Reserve started a rate-cutting cycle on Sept. 18, 2025, lowering its benchmark interest rate by 50 basis points (bps) to a range of 4.75% to 5%. The cut was the first since March 2020 after the Fed raised interest rates to a 23-year high point to cool the economy and quell inflation. The Fed cut rates two more times in 2024, each by 25 basis points. It has not cut interest rates so far in 2025.
Latest Posts
Trump proposes 50-year mortgage to help affordability
Nov 08, 2025Trump supports 50-year mortgages to lower monthly payments, but longer terms reduce equity and aren’t currently allowed under the Dodd-Frank Act.
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Another Fed rate cut to finish 2025? Not so fast
Nov 04, 2025 -
Mortgage spreads hit lowest level in years, keeping rates near 6%
Nov 02, 2025 -
Will the next Fed chair be pro-housing?
Oct 31, 2025 -
Debate heats up around GSEs’ potentially larger role as MBS buyers
Oct 30, 2025 -
Did Powell kill the December rate cut?
Oct 30, 2025 -
Powell sends mortgage rates higher as he questions December cut
Oct 29, 2025 -
Fed delivers another 25-bps rate cut. Mortgage lenders prepare to scale up
Oct 29, 2025 -
Fed prepares to pivot balance sheet, with potential ripple effects for mortgages
Oct 28, 2025 -
Will the Fed ruin the lowest mortgage rates of 2025?
Oct 28, 2025 -
Mortgage rates hit 2025 low point again, spurring fall housing activity
Oct 28, 2025 -
Inflation moves higher for third straight month, hits highest level since January
Oct 24, 2025
