Blog > Why Do Mortgage Rates Fluctuate?
Mortgage rates fluctuate based on broader economic conditions, particularly inflation, employment data, and the Federal Reserve’s policy decisions. When inflation rises, rates often increase to maintain the value of money. When the economy slows, the Fed may lower rates to stimulate borrowing and investment. Global events, bond market yields, and investor confidence also play roles. These shifts can happen quickly, which is why borrowers are encouraged to monitor rates closely and lock in when conditions align with their goals.
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