{"id":5933,"date":"2024-07-25T05:30:00","date_gmt":"2024-07-25T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-the-economy-impacts-mortgage-rates\/"},"modified":"2024-07-25T05:30:00","modified_gmt":"2024-07-25T10:30:00","slug":"how-the-economy-impacts-mortgage-rates","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-the-economy-impacts-mortgage-rates\/","title":{"rendered":"How the Economy Impacts Mortgage Rates"},"content":{"rendered":"

\"How<\/p>\n

As someone who\u2019s thinking about buying<\/a> or selling<\/a> a home, you\u2019re probably paying close attention to mortgage rates \u2013 and wondering what’s ahead<\/a>.<\/p>\n

One thing that can affect mortgage rates is the Federal Funds Rate, which influences how much it costs banks to borrow money from each other. While the Federal Reserve<\/em> (the Fed) doesn\u2019t directly control mortgage rates, they do control the Federal Funds Rate.<\/p>\n

The relationship between the two is why people have been watching closely to see when the Fed might lower the Federal Funds Rate. Whenever they do, that\u2019ll put downward pressure on mortgage rates. The Fed meets next week, and three of the most important metrics they\u2019ll look at as they make their decision are:<\/p>\n

    \n
  1. The Rate of Inflation<\/li>\n
  2. How Many Jobs the Economy Is Adding<\/li>\n
  3. The Unemployment Rate<\/li>\n<\/ol>\n

    Here\u2019s the latest data on all three.<\/p>\n

    1. The Rate of Inflation<\/strong><\/h4>\n

    You\u2019ve probably heard a lot about inflation over the past year or two \u2013 and you\u2019ve likely felt it whenever you\u2019ve gone to buy just about anything. That\u2019s because high inflation means prices have been going up quickly.<\/p>\n

    The Fed has stated its goal is to get the rate of inflation back down to 2%. Right now, it\u2019s still higher than that, but moving in the right direction<\/a> (see graph below<\/em>):<\/p>\n

    2. How Many Jobs the Economy Is Adding<\/strong><\/h4>\n

    The Fed is also watching how many new jobs are created each month. They want to see job growth slow down consistently before taking any action on the Federal Funds Rate. If fewer jobs are created, it means the economy is still strong but cooling a bit \u2013 which is their goal. That appears to be exactly what\u2019s happening now. Inman<\/em> says<\/a>:<\/p>\n

    \u201c. . . the Bureau of Labor Statistics reported that employers added fewer jobs in April and May than previously thought and that hiring by private companies was sluggish in June.\u201d<\/em><\/p><\/blockquote>\n

    So, while employers are still adding jobs, they\u2019re not adding as many as before. That\u2019s an indicator the economy is slowing down after being overheated for quite some time. This is an encouraging trend for the Fed to see.<\/p>\n

    3. The Unemployment Rate<\/strong><\/h4>\n

    The unemployment rate is the percentage of people who want to work but can\u2019t find jobs. So, a low rate means a lot of Americans are employed. That\u2019s a good thing for many people.<\/p>\n

    But it can also lead to higher inflation because more people working means more spending \u2013 which drives up prices. Right now, the unemployment rate<\/a> is low, but it\u2019s been rising slowly over the past few months (see graph below<\/em>):<\/p>\n

    \"No<\/a>It may seem harsh, but a consistently rising unemployment rate is something the Fed needs to see before deciding to cut the Federal Funds Rate. That\u2019s because a higher unemployment rate would mean reduced spending, and that would help get inflation back under control.<\/p>\n

    What Does This Mean Moving Forward?<\/strong><\/h4>\n

    While mortgage rates are going to continue to be volatile in the days and months ahead, these are signs the economy is headed in the direction the Fed wants to see. But even with that, it\u2019s unlikely they’ll cut the Federal Funds Rate when they meet next week. Jerome Powell, Chair of the Federal Reserve, recently said<\/a>:<\/p>\n

    \u201cWe want to be more confident that inflation is moving sustainably down toward 2% before we start the process of reducing or loosening policy.\u201d<\/em><\/p><\/blockquote>\n

    Basically, we\u2019re seeing the first signs now, but they need more data and more time to feel confident that this is a consistent trend. Assuming that direction continues, according to the CME FedWatch Tool<\/em>, experts say there\u2019s a projected 96.1%<\/a> chance the Fed will lower the Federal Funds Rate at their September meeting.<\/p>\n

    Remember, the Fed doesn\u2019t directly set mortgage rates. It\u2019s just that whenever they decide to cut the Federal Funds Rate, mortgage rates should respond.<\/p>\n

    Of course, the timing of when the Fed takes action could change because of new economic reports, world events, and other factors. That\u2019s why it’s usually not a good idea to try to time the market<\/a>.<\/p>\n

    Bottom Line<\/h3>\n

    Recent economic data may signal that hope is on the horizon for mortgage rates. Count on a local real estate agent<\/a> you can trust to keep you up to date on the latest trends<\/a> and what they mean for you.<\/p>\n

    Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

    As someone who\u2019s thinking about buying or selling a home, you\u2019re probably paying close attention to mortgage rates \u2013 and wondering what’s ahead. One thing that can affect mortgage rates is the Federal Funds Rate, which influences how much it costs banks to borrow money from each other. While the Federal Reserve (the Fed) doesn\u2019t […]<\/p>\n","protected":false},"author":1,"featured_media":5934,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-5933","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"\nHow the Economy Impacts Mortgage Rates—NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/how-the-economy-impacts-mortgage-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How the Economy Impacts Mortgage Rates—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"As someone who\u2019s thinking about buying or selling a home, you\u2019re probably paying close attention to mortgage rates \u2013 and wondering what’s ahead. 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