economy

January 27, 2026

Will mortgage rates fall after this week's Fed meeting?

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Will mortgage rates fall after this week's Fed meeting?

TL;DR

  • The first Federal Reserve meeting of 2026 is scheduled, with discussions expected on interest rate cuts.
  • The Fed previously cut rates in September, October, and December, leading to lower mortgage rates.
  • The odds of a Fed rate cut this week are only 3%, suggesting mortgage rates are unlikely to decline.
  • Jerome Powell's post-meeting comments could impact markets and mortgage rates.
  • Mortgage lenders take guidance from the Fed but are not directly dictated by its actions.
  • Borrowers can secure lower mortgage rates by shopping around, paying mortgage points, or considering adjustable-rate mortgages.
  • Homeowners can also shop for lenders to refinance and explore options like shorter loan terms for potential interest savings.

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