By Thomas Baker & Jordan Ivey, IntroLend Carolinas - August 18, 2026
The Ebb and Flow of Mortgage Rates
Mortgage rates do not move directly with the Federal Reserve's federal funds rate. Instead, they are heavily influenced by longer-term bond yields, particularly the 10-year U.S. Treasury, along with expectations for inflation, economic growth and future monetary policy.
At its July 29 meeting, the Federal Reserve left its target federal funds rate unchanged at