Discover how elections and inflation impact interest rates and your decisions.


Have you been watching mortgage rates lately? If so, you’re probably feeling like you’re on a roller coaster. One minute, rates are up. The next minute, they drop a bit. What’s causing this constant back and forth? Let me explain what’s behind the changes and how it affects you.

Why are rates going up and down? The main reason mortgage rates are so unpredictable right now is uncertainty. Several big factors are driving this uncertainty, and it’s creating some big swings in the market. Let’s break it down:

  • Political shifts: Political changes like elections can cause uncertainty in the financial markets. This often leads to daily changes in mortgage rates. For example, we saw some fluctuation right after Election Day because people weren't sure how the new political environment would affect the economy.

  • Inflation and the economy: The economy and inflation also play a big role in mortgage rates. As new data comes out, it can cause the market and the Federal Reserve to react. This causes the rates to rise or fall unexpectedly. This is something you’ll want to keep an eye on, especially if you're planning to buy or sell soon.

“The constant changes in mortgage rates can feel like a headache.”

How does this affect you? The constant changes in mortgage rates can feel like a headache. One day, you may feel like you’re getting a good deal, and the next, you’re not sure if it’s still a good time to make a move. This uncertainty can make buying or selling a home feel overwhelming. The key is staying informed and knowing how to react when rates shift. 


If you’re ready to make a move, or if you just want to know more about how mortgage rates are affecting your options, you can give me a call at (269) 350-5514. Together, we’ll make sure you get the best deal no matter what the interest rates are doing.


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