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One of the biggest questions I’m hearing right now from buyers across Greater Phoenix is simple: “If the Federal Reserve is cutting rates, why are 30-year mortgages still hovering in the high-5% to low-6% range?” It feels counterintuitive. For years, consumers were conditioned to believe that when the Fed cuts rates, mortgage rates automatically follow. […]
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The Federal Reserve left interest rates unchanged at its most recent policy meeting, a move markets largely expected but one that revealed deeper tensions both within and beyond the central bank. While the decision reaffirmed policy continuity, the vote itself told a more complicated story. Pressure from the White House to move toward lower borrowing […]
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If you want a clean way to understand why housing felt like it re-priced in the 2020s, look at two Arizona markets that normally behave very differently: From the end of 2019 through the end of 2025, both moved sharply higher, but Paradise Valley’s move was the most dramatic. And the reason matters for what […]
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Large institutional investors in the single-family housing market have come under increasing scrutiny. During Donald Trump’s presidency, the administration examined whether these firms were gaining too much influence by purchasing homes at scale and potentially making it harder for everyday and first-time homeowners to buy. Why the Issue Surfaced After the 2008 housing crash, private […]
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After listening to Fed Chair Jerome Powell’s press conference, the explanation became clear: The Fed may be easing, but it remains cautious. Powell acknowledged cooling inflation and a moderating economy, but he repeatedly stressed that progress isn’t yet “secure.” That caution is exactly what keeps long-term borrowing costs, including mortgage rates, from making any meaningful […]
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The Federal Reserve is sending one of its most contradictory signals in years, and Greater Phoenix—including Scottsdale, Paradise Valley, the Arcadia/Biltmore corridor, and the East and West Valleys—is feeling the full impact. On the one hand, the Fed continues to warn that inflation remains too high, with residential real estate repeatedly singled out as one […]
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A 50-year mortgage is precisely what it sounds like a home loan stretched over half a century instead of the traditional 30-year term used in most U.S. home financing. Versions of the idea surface from time to time, usually during periods when affordability becomes a national concern. Most recently, some policymakers have floated the idea […]
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Buyers across Arizona are asking the same question: Should I wait for mortgage rates to drop before making a purchase? To answer that, let’s look at what actually happens when you slide the rate, not the price. What Happens When Your Rate Drops Just 1% Even a slight shift in the 30-year mortgage rate can […]
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You’ve probably heard it a dozen times: “I’ll buy once rates drop.” But here’s the reality: even as the Federal Reserve begins trimming interest rates, mortgage rates have actually crept higher. It sounds counterintuitive, but it’s not uncommon. And that’s precisely why informed buyers, the ones who understand how markets truly work, are stepping in […]
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The Federal Reserve just lowered its benchmark interest rate by 25 basis points (0.25%). For many homeowners across Metro Phoenix, the headline feels like déjà vu. After all, lower rates fueled some of the hottest years in Arizona real estate during the early 2020s. It’s natural to wonder if this slight shift signals the start […]
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