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Real Estate

Myth and Fact: Does the Fed Set Mortgage Rates?

Digilifetrends Updated 2026-10-28 1 min read

You may have heard that the Federal Reserve is raising rates again. If you are thinking about buying or selling a home, you might wonder what that means for mortgage costs. The headlines can make it seem as though the Fed directly sets mortgage rates, but that is a common misconception. Its decisions can still influence those rates, however.

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