EP133 - A Lower FED Rate DOES NOT Equal Lower Rates

The Federal Reserve does NOT control your mortgage rate—so stop assuming a rate cut means cheaper loans! In this episode, we dive deep into one of the biggest misconceptions in real estate: the belief that the Federal Reserve directly sets mortgage rates. Spoiler alert—it doesn't! We'll explain the real factors that influence mortgage rates, why they don't always follow the Fed's moves, and what you should be watching instead if you're in the market for a new home or investment property. ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert 🎯 Here's what you'll learn: ✅Origination Fees – What they are, how they work, and how they impact your loan costs. ✅Yield Spread Premium (YSP) – How offering a higher interest rate benefits your lender and what to watch out for. ✅Other Potential Fees – The hidden costs you need to know before signing on the dotted line. 🔍 Knowledge is power when it comes to mortgages. By the end of this video, you'll have the insights you need to ask the right questions, compare offers, and make sure you're getting the best deal possible. 🎙- The Educated Home Buyer Podcast - Spotify - https://open.spotify.com/show/3Ho4sTORqrLYlkBwWUkSBA Apple - https://podcasts.apple.com/us/podcast/the-educated-homebuyer/id1611226020 YouTube - http://www.youtube.com/@theeducatedhomebuyer Instagram - http://www.instagram.com/theeducatedhomebuyer Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith ➡Y O U T U B E ➳https://www.youtube.com/c/JebSmith Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 E: [email protected] ➡I N S T A G R A M ➳ https://www.instagram.com/joshlewiscmc ➡Y O U T U B E ➳https://www.youtube.com/c/buywiseborrowsmart 📩 - [email protected]