Why are mortgage rates rising even after Feds rate cut?

[Samori Toure]

This a Fox article so even they know what's up.

Why are mortgage rates rising even after the Fed cut rates? | Fox Business Why are mortgage rates increasing despite a rate cut from the Fed?

 

[Menna]

Fed cuts don’t impact the 10 year rate and mortgages go off of 10 year

 

[Samori Toure]

Fed cuts don’t impact the 10 year rate and mortgages go off of 10 year

Correct. Which is what I advised one coli member that insisted that he could refi his mortgage after a cut.

The issue is that borrowers are requesting higher payback on the 10 year treasury notes, because the USA is carrying a large national debt.

 

[Jimmy from Linkedin]

Mortgages are paid for, mostly, by real people instead of interest accumulating rentier-class parasites that have all sorts of different "financial products" at their disposal.

In the real wages economy things aren't divorced from reality and haven't budged. Rates nor prices went go down. These rates probably won't go down until faith in the economy has been injected or restored to the degree that the banks are confident that people will be employed to pay them back. for now it is just high enough to ward off those that have saved by aren't actively upwardly mobile and may be occupying a role that could but RIF'd in the best future when the economy gets even worse.

 

[Samori Toure]

@Sir Richard Spirit as I explained to you numerous times a Federal Reserve rate cut will not equal a mortgage rate cut, because mortgages are tied to the interst rate that the USA has to pay Investors on the 10 year treasury note. Whereas an interest rate cut is what the Feds charge banks to borrow money. The two things are not the same. I am sorry that your daughter can't get that car.

 

[Kyle C. Barker]

Correct. Which is what I advised one coli member that insisted that he could refi his mortgage after a cut.

The issue is that borrowers are requesting higher payback on the 10 year treasury notes, because the USA is carrying a large national debt.

Damn.

Trump's been pushing that line of thinking damn near all year.

https://www.npr.org/2025/07/24/nx-s1-5477467/trump-federal-interest-rate-cut-home-buying

 

[Samori Toure]

Damn.

Trump's been pushing that line of thinking damn near all year.

https://www.npr.org/2025/07/24/nx-s1-5477467/trump-federal-interest-rate-cut-home-buying

Trump has also pushed that tariffs are not a tax. He doesn't understand business or finance.

 

[feelosofer]

The banks have no responsibility to pass the increased profits from the fed rate as savings to the end buyer. Homes are at a premium right now and it will continue to be for the forseeable future so long as supply stays low, inflation stays high, employment, wages etc stay stagnant. At least that's how I have been lead to understand it. The banks are insulating themselves.

 

[Chrishaune]

Because they are collapsing fiat currency on purpose

To bring digital currency

Everything they can do to cause that to happen...

 

[Scaaar]

Damn.

Trump's been pushing that line of thinking damn near all year.

https://www.npr.org/2025/07/24/nx-s1-5477467/trump-federal-interest-rate-cut-home-buying

He's not the only one. Those sleazy realtors and car salesmen have been using that line to dupe uninformed people for years! Lol

 

[O.T.I.S.]

Because he was never going to actually help anyone but himself

 

[Strapped]

Banks will cut the rates they offer for cd's

 

[Amo Husserl]

Because they are collapsing fiat currency on purpose

To bring digital currency

Everything they can do to cause that to happen...

But it won't fix the problem that we got a finite amount of resources... or will it?

 

[Chrishaune]

But it won't fix the problem that we got a finite amount of resources... or will it?

They can manipulate digital currency however they want. Running the inflation up actually helps them before they change the system. They already have high debt, but it makes it easier to pay off, because the money printers will be printing the fastest they ever have. Then they can switch to digital and control the masses like they want to.

I think we will see real hyper inflation before they switch the system.

 

[Wargames]

They can manipulate digital currency however they want. Running the inflation up actually helps them before they change the system. They already have high debt, but it makes it easier to pay off. Then they can switch to digital and control the masses like they want to.

I think we will see real hyper inflation before they switch the system.

You’re giving these idiots too much credit. All we’re seeing is the continuation of the transfer of wealth that started in 2019. If people realized that Trump and them might actually be held accountable.