Category: Economy

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Myth vs. Reality: Does the Fed Control Mortgage Rates?

Written by Cape Coral Mortgage Syndicated User on October 23, 2026. Posted in Affordability, Agent Value, Buying Tips, Cape Coral Mortgage, Economy, For Buyers, For Sellers, Mortgage Cape Coral, Mortgage Rates, Selling Tips.

You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines, it’s easy to think the Fed sets mortgage rates. That’s actually a common myth. But the Fed’s decisions can still have an impact on them. So, where does that leave you? The next few months could get a little bumpy. But the Fed is playing the long game. And with the right plan, you can still make a move that works. Let’s break it down. Why the Fed Is Raising Rates It all comes back to...

Here’s Why Mortgage Rates Are What They Are Right Now

Written by Cape Coral Mortgage Syndicated User on August 19, 2026. Posted in Affordability, Cape Coral Mortgage, Economy, For Buyers, For Sellers, Mortgage Cape Coral, Mortgage Rates.

If you’re waiting for mortgage rates to fall a lot before you buy, you may be waiting a while. But before you get discouraged, there’s a number working behind the scenes that’s actually good for you right now. It’s called the spread, and once you understand it, you may see today’s rates in a whole new light. The Pattern That’s Held for 50+ Years For starters, mortgage rates don’t move on their own. They tend to follow the 10-year treasury yield, a number tied to how investors feel about the economy. It’s not an exact science, since plenty of other factors can...

Thinking About Waiting for Lower Mortgage Rates? Read This First.

Written by Cape Coral Mortgage Syndicated User on August 19, 2026. Posted in Affordability, Buying Tips, Cape Coral Mortgage, Economy, For Buyers, Forecasts, Mortgage Cape Coral, Mortgage Rates.

Imagine waiting a year to buy a home, only to find mortgage rates haven’t changed much. That may sound frustrating.But it’s a real possibility. A lot of people are putting their plans on hold because they believe much lower mortgage rates are right around the corner. But, based on today’s forecasts, that may not happen. And you should know that before you decide what to do. Let’s look at why experts don’t expect a dramatic drop in rates – and the options that could help you buy anyway. Because even if rates don’t fall, you can still move. Here’s how. 1....

What Buying or Selling a Home Gives Back to Your Community

Written by Cape Coral Mortgage Syndicated User on July 20, 2026. Posted in Cape Coral Mortgage, Economy, For Buyers, For Sellers, Mortgage Cape Coral.

Buying or selling a home is a big financial decision. And right now, it feels even bigger. Inflation is high, costs are high, and you want to be sure the timing is right before you make your move. But if you do decide to go for it, whether you’re buying or selling, here’s something reassuring to hold onto. Not only does your move change your own life, but it also gives your whole community a boost. Real estate is a huge part of the economy. In 2025, it added up to about $5.6 trillion, according to the National Association of Realtors (NAR). A good share of that comes from...

What Rising Inflation Means for Your Move

Written by Cape Coral Mortgage Syndicated User on June 16, 2026. Posted in Affordability, Cape Coral Mortgage, Economy, For Buyers, Mortgage Cape Coral, Mortgage Rates.

Data shows inflation is moving in the wrong direction. But before the headlines send anyone into a panic, here’s what’s actually going on, why it matters for the housing market, and what it means if you’re thinking about buying or selling. Inflation Went Up – Here’s What That Actually Means The government tracks inflation in a variety of ways. One is something called PCE – the Personal Consumption Expenditures Price Index. It measures how much more (or less) people are paying for goods and services compared to a year ago. And just based on your own expenses, you can...

The Mid-Year Housing Market Update: Why Forecasts Changed in 2026

Written by Cape Coral Mortgage Syndicated User on June 16, 2026. Posted in Cape Coral Mortgage, Economy, For Buyers, For Sellers, Forecasts, Home Prices, Mortgage Cape Coral, Mortgage Rates.

If the housing market feels confusing right now, you’re not alone. Mortgage rates have risen. Home sales haven’t picked up like expected. And many buyers and sellers are wondering when things are going to feel easier or be more affordable. The truth is: a lot changed over the first half of this year. Back at the end of 2025, economists were forecasting a much stronger housing market for 2026. They expected mortgage rates to come down, affordability to improve more dramatically, and home sales to rebound. But lingering inflation, economic uncertainty, and growing geopolitical tensions...

The Truth About Affordability Today

Written by Cape Coral Mortgage Syndicated User on June 16, 2026. Posted in Affordability, Cape Coral Mortgage, Economy, For Buyers, Mortgage Cape Coral, Mortgage Rates.

Let’s be real with each other for a second about affordability. Because you deserve someone who will be honest and transparent about what’s going on, especially if you’ve got a move on your mind. Here’s the full picture of what’s happening and why. The good – and the bad. So, you know what it truly means for your move. Because while rates are certainly a big part of affordability, they’re not the only factor at play. Mortgage Rates Have Been Rising After a year or more of rates trending down, they’ve started to climb again. And, if you’re looking to buy, that’s not what you want to...

Most Experts Are Not Worried About a Recession

Written by Cape Coral Mortgage Syndicated User on November 21, 2025. Posted in Buying Tips, Cape Coral Mortgage, Economy, First-Time Buyers, For Buyers, Mortgage Cape Coral.

Homebuyers are watching the economy closely, and for good reason. Buying a home is one of the biggest purchases most people ever make. And some recession talk in the media has made a lot of would-be buyers second guess their plans. In the latest LendingTree survey, almost 2 in 3 Americans said they think a recession is coming. And 74% of respondents say that’s having an impact on their financial decisions. But here’s the good news: the experts aren’t nearly as concerned. Most Americans Expect a Recession, But Most Experts Don’t According to an October report from the Wall Street...

What a Government Shutdown Really Means for the Housing Market

Written by Cape Coral Mortgage Syndicated User on November 7, 2025. Posted in Buying Tips, Cape Coral Mortgage, Economy, For Buyers, For Sellers, Mortgage Cape Coral, Selling Tips.

There’s been a lot of talk lately about how a government shutdown impacts the housing market. You might be wondering: Is it causing everything to grind to a halt? The short answer? No. The housing market doesn’t stop. It keeps moving. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down a little, but overall, the market continues to function. Here’s What Typically Happens Whenever the government shuts down, some federal agencies temporarily close or scale back their...

Is the Housing Market Going To Crash? Here’s What Experts Say

Written by Cape Coral Mortgage Syndicated User on October 21, 2025. Posted in Cape Coral Mortgage, Economy, For Buyers, For Sellers, Forecasts, Home Prices, Mortgage Cape Coral.

If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth. The data doesn’t point to a crash. It points to slow, continued growth. And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small, short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years. The Real Story Is in the Expert Forecasts In the Home Price Expectations Survey (HPES) from Fannie Mae, each quarter...