December 14th, 2025
Why the Fed Rate Cut Will Not Move Mortgage Interest Rates

The Federal Open Market Committee, the rate setting body of the Federal Reserve, voted to cut interest rates by 25 basis points in its December meeting. But those who are waiting for mortgage rates to fall should not expect a quarter-point drop anytime soon.

Key Takeaways
  • The FOMC cut the federal funds rate by a quarter-point, but that's unlikely to cause 30 year mortgage rates to fall by the same amount.

  • The December rate cut might be advantageous for builders and developers, who will benefit from lower borrowing costs on construction loans and lines of credit with short-term rates.

  • Long term mortgage rates track yields on U.S. Treasury bonds, and those yields are more likely to be swayed by larger economic data releases, such as the upcoming BLS jobs report.



Read the full article on U.S. News and World Report

More than 450 Homes Sold, Over $140 Million in Career Sales


I Appreciate Your Referrals

It is a common misconception that a real estate agent primarily learns of someone looking to buy or sell a home when someone simply calls an agency looking for an agent to help them. Although this can happen, it is very rare. In fact, over 80% of the referrals I receive come from past clients and past coworkers just like you. The other 15-20% of referrals comes from our national network of relocation companies and other Coldwell Banker agencies across the country.

The greatest compliment I can receive is when someone like you refers me to a friend, coworker or family member of theirs. If you, or someone you know, are looking to either buy or sell a home then I would certainly appreciate the opportunity to earn your business. Do you know of someone looking to buy or sell a home?



Click to Download my vCard

Please share my vCard with anyone you know that would benefit from my help in buying or selling a home.

Contact Brad Gough


Mobile (317) 590-3571 Office (317) 844-1131 Email brad@btgough.com My Website Homes Recently Sold