Fed Chair Powell just sent one of the clearest signals yet about where interest rates are headed and it could reshape mortgage rates in the 2026 housing market. In this episode, we break down the latest Fed policy, the dot plot, and why the market may be seeing something very different than the Fed itself. We’ll explain what “neutral rates” really mean, how inflation and employment factor in, and what this all signals for homebuyers and homeowners over the next 12–24 months. If you’re planning to buy, refinance, or wait, this is a conversation you can’t afford to miss.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727