United States Interest Rate Decision 2025

let’s go 4% so I can finally refinance my mortgage!

mortgage rates are based primarily off the 10yr treasury yield, which may or may not move with the rate cut

10 year needs to hit 3.5 or lower. then we see better lending environment. 30 years will then be at 5.5%

don’t do that unless you are super early into your mortgage, the first 7 years you are mainly paying interest and if you refinance then you start over

it should not matter if you have less principal to pay.

“Finally” how long have you been waiting?

Most likely, there will be a reduction for the 4, and then interest rates will not change for half a year.

Can’t see the fed wanting to do anymore cuts anytime soon.

after last months cut another won’t be coming soon while inflation persists in the near term. next cut new year at earliest.

Due to the inflation report last week another cut is definitely on the table, though.

let’s see!

4%

It’s official