How Fed Rate Cuts Really Affect Mortgage Rates in 2026

The Fed cut rates, so why haven’t mortgage rates fallen yet? That question comes up often. Today, I’ll discuss how the recent Fed rate cut impacts mortgages and Arizona buyers, and why rates don’t always move the way people expect. Here’s a breakdown of what’s really happening.

What this episode covers

No, a Fed rate cut doesn’t always lower your mortgage. Here’s what actually matters.

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This episode was published on February 17, 2026.

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