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The Fed Doesn’t Control Mortgage Rates

The Fed Doesn’t Control Mortgage Rates

The Fed Doesn’t Control Mortgage RatesRich Flanery
Published on: 09/18/2025

The Fed doesn’t set mortgage rates. Learn why bond markets drive rates and how to time refinancing strategically.

Fed and mortgage ratesbond market mortgage ratesmortgage refinancing strategyMBS and interest ratestiming a refinancemortgage market dynamics