{"id":595593,"date":"2025-12-16T21:34:06","date_gmt":"2025-12-16T21:34:06","guid":{"rendered":"https:\/\/drewdodds.vipmtginc.com\/blog\/?p=595593"},"modified":"2025-12-16T21:34:07","modified_gmt":"2025-12-16T21:34:07","slug":"weekly-mortgage-rate-update-fed-cuts-rates-hold-steady","status":"publish","type":"post","link":"https:\/\/drewdodds.vipmtginc.com\/blog\/2025\/12\/16\/weekly-mortgage-rate-update-fed-cuts-rates-hold-steady\/","title":{"rendered":"Weekly Mortgage Rate Update: Fed Cuts Rates, Mortgage Rates Hold Steady"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"672\" height=\"438\" src=\"https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-12-125401.png\" alt=\"\" class=\"wp-image-595594\" style=\"aspect-ratio:1.5342656344761156;width:416px;height:auto\" srcset=\"https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-12-125401.png 672w, https:\/\/drewdodds.vipmtginc.com\/blog\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-12-125401-300x196.png 300w\" sizes=\"(max-width: 672px) 100vw, 672px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage Rate Snapshot<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30-Year Fixed Rate Change:<\/strong> Flat week-over-week<\/li>\n\n\n\n<li><strong>Since Monday, December 8:<\/strong> No change in market rates (0 points)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Despite a widely anticipated Federal Reserve rate cut, mortgage rates remained unchanged as markets had already priced in the decision.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What Happened Last Week?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">The Fed Cut Rates\u2014But With Caution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Last week, the Federal Reserve lowered the <strong>Federal Funds Rate by 25 basis points<\/strong>, bringing it to a range of <strong>3.50%\u20133.75%<\/strong>. This marked the third rate reduction of the year. However, the decision revealed notable internal disagreement among policymakers\u2014an important signal for markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fed Chair Jerome Powell emphasized that there is <strong>\u201cno risk-free path\u201d<\/strong> forward, underscoring the Fed\u2019s cautious approach as it balances easing labor market conditions against inflation that remains above target. While projections still suggest at least one additional rate cut next year, the Fed made it clear that future moves will be data-dependent.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Labor Market Signals: Cooling, But Not Crystal Clear<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Recent labor market data continues to point toward softening conditions, though the picture is far from clean.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Job openings<\/strong> rose modestly in September and October, but broader indicators\u2014such as low hiring and quit rates\u2014suggest reduced demand for workers.<\/li>\n\n\n\n<li><strong>Layoffs have increased<\/strong>, reinforcing signs of labor market cooling.<\/li>\n\n\n\n<li>The <strong>job openings-to-unemployed ratio<\/strong> has fallen to roughly <strong>1:1<\/strong>, a sharp decline from over <strong>2:1 in 2022<\/strong>, confirming a significant shift in labor dynamics.<\/li>\n\n\n\n<li><strong>Jobless claims data<\/strong> was distorted by holiday timing, seasonal adjustments, and the expiration of unemployment benefits, limiting its usefulness as a real-time signal.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Taken together, these mixed signals help explain why markets\u2014and mortgage rates\u2014have remained steady despite the Fed\u2019s policy move.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Looking Ahead: What We\u2019re Watching This Week<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The week ahead brings several important data releases that could influence market direction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jobs Report &amp; Retail Sales:<\/strong> Tuesday<\/li>\n\n\n\n<li><strong>Consumer Price Index (CPI):<\/strong> Thursday<\/li>\n\n\n\n<li><strong>Key Housing Data<\/strong> and delayed government releases throughout the week<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These reports will help clarify whether inflation continues to cool and how much flexibility the Fed may have moving into the next policy cycle.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom Line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While the Fed has begun easing policy, mortgage rates remain driven by expectations around inflation, labor market strength, and economic stability. For now, rates are holding steady near recent levels\u2014but upcoming data will be critical in determining what comes next.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As always, we\u2019ll continue monitoring the markets closely and stand ready to help when needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u2014 Drew &amp; Team<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Rate Snapshot Despite a widely anticipated Federal Reserve rate cut, mortgage rates remained unchanged as markets had already priced in the decision. What Happened Last Week? The Fed Cut Rates\u2014But With Caution Last week, the Federal Reserve lowered the Federal Funds Rate by 25 basis points, bringing it to a range of 3.50%\u20133.75%. This [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":595594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-595593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Weekly Mortgage Rate Update: Fed Cuts Rates, Mortgage Rates Hold Steady - Drew Dodds<\/title>\n<meta name=\"description\" content=\"Mortgage rates held steady despite a Fed rate cut as labor market data cooled. 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