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Fed Cuts, Mortgage Hikes: Why Washington Can’t Wish Rates Down

EPISODE · Dec 18, 2025 · 2 MIN

Fed Cuts, Mortgage Hikes: Why Washington Can’t Wish Rates Down

from Watchdog on Wall Street with Chris Markowski · host Finance, Investing, & Markets

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Washington keeps insisting that rate cuts will make housing affordable—but reality says otherwise. Despite the Fed lowering rates yet again, mortgage rates climbed, applications dropped nearly 4%, and the average 30-year fixed hit 6.38%. In this episode, Chris breaks down why the Fed doesn’t actually control mortgage rates, how $38+ trillion in debt and reckless fiscal policy are keeping borrowing costs high, and why empty political pressure won’t fix the problem. Until Congress gets serious about budgets, debt, and fiscal discipline, expect higher rates—and more broken promises on affordability.

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Fed Cuts, Mortgage Hikes: Why Washington Can’t Wish Rates Down

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