Episode 9 of the TCTITLEGUY Podcast Why Mortgage Rates Are Not Set by the Fed

🎙️ Episode 9 of the TCTITLEGUY Podcast is live and this one is packed with clarity and real talk. I sit down with Ian Ashton of OneTrust Home Loans to break down one of the biggest misconceptions in today’s real estate market how mortgage rates actually work. We talk through why many buyers believe mortgage rates are directly controlled by the Federal Reserve and what really happens when the Fed announces a rate cut. We also rewind to the COVID era when interest rates sat in the 2 to 3 percent range and explain why those conditions were highly unusual and unlikely to return anytime soon. Ian shares perspective on how today’s market differs and why waiting on rates alone can sometimes do more harm than good. Outside of mortgages Ian also runs a popular YouTube channel driamashton focused entirely on muscle cars drag racing and high horsepower builds which has gained a strong following. If you are a buyer seller or real estate professional looking for real conversations and clear explanations this episode delivers. Like subscribe and drop a comment with your biggest market question and we will see you beyond the closing table.