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Fed Delivers Another Rate Cut: What It Means for Today's Mortgage Rates The Federal Reserve on December 10 cut its benchmark interest rate by 0.25 percentage points, lowering the federal funds rate to a range of 3.50%–3.75% in its final policy meeting of 2025. This marks the third consecutive rate cut this year and brings the overall reduction to 1.75 percentage points since the Fed began easing in late 2024, even as officials voiced internal disagreements about the economic outlook. Chair Jerome Powell emphasized the decision was aimed at supporting a weakening labor market while still managing inflation pressures, and the Fed signaled only one more cut may be likely in 2026.  For homebuyers and homeowners, this rate cut could translate into slightly lower mortgage rates, though the connection isn't automatic. Mortgage interest largely follows long-term Treasury yields rather than the Fed's short-term rate, so savings on 30-year home loans have been modest and recent data show average long-term mortgage rates hovering just above 6%. However, the easing trend has helped bring borrowing costs down from earlier highs above 7%, boosting refinancing activity and modestly improving affordability, with experts forecasting rates may dip further in 2026.1  Baby Steps:Joys and a insurance plan. Sinners and saints babies once. Old as dirt, younger than Just. Evo and cards flipping. Flipping lights on setting suns, out of the shadows. Lights on boat, ships of dreams, fairy tales. Tips on seven sevens, in seven days, seven stars, candles in the wind. Passes to walk, passes on the state, heads to roll, sinners, saints, learners and losers, schools of hard knocks. What about you? You don’t need anyone’s approval: No sale. Good bye deal of the year. ATTENTION: WALMART SHOPPERS.Rich Or Poor, Choices To Make, Strangers, Sinners And Saints, Heads To Count.Hats, Horns, Halos, Birds, Bees, Butterflies, Babes, Cali Chicks, Balls In The Moves,Counting Heads, Good Time Frogs: Dime To Drop, Dim, Dense, Dumb, Faces In And Out Of Time. Glory Dazes In The Horse And Pony Shows.It cost the deal on the table, and 475 days later , with a court order, the listing changed. HAIL MARRY ".Assholes, Cows, Pigs, Suckers For Free Shit, Dung.No Regrets,No Excuses:People I Used To Know:Once.Just Amazing!Your ego is not your amigo" frogs in the house.    Love, lights, lessons, tests over time, bats out of hell, wings to fly away.  Please don’t ever give up. There’s a reason you were created. You are special and you are lovedNot Doing Normal. Spinning Tops, Starr Bright Tonight, Walks Of Fame, Walks In The Park.I unfriended you. So for you to post or comment on me. You had to come to my FB page. I get it. Your ego is not your amigo" frogs in the house.    Love, lights, lessons, tests over time, bats out of hell, wings to fly away.  Hats, Horns, Halos, Birds, Bees, Butterflies, Babes, Cali Chicks, Balls In The Moves,Counting Heads, Good Time Frogs: Dime To Drop, Dim, Dense, Dumb, Faces In And Out Of Time. Glory Dazes In The Horse And Pony Shows. Passes to walk, passes on the state, heads to roll, sinners, saints, learners and losers, schools of hard knocks. What about you? You don’t need anyone’s approval: