Most people heard “The Fed cut rates by .25%” and immediately assumed their mortgage just got cheaper.

It doesn’t work that way — and in today’s episode, I break down what actually changed, why the markets exploded, and how this shift creates a rare window of opportunity for buyers, investors, physicians, and high-income households.

Inside this episode:

• Why mortgage rates do not follow the Fed funds rate
• How liquidity, bonds, and MBS spreads actually drive mortgage pricing
• Why Powell’s comments signal a slow drift downward in rates over the next 2–8 weeks

• When to act and when to wait
• How the FOMC’s unwind will impact mortgage pricing
• Why cash-out refinancing is uniquely powerful for high-income earners in this cycle

🔥 What buyers, investors & physicians need to know now

• How this move improves buying power
• Why this environment rewards early movers
• How to prepare BEFORE lenders start repricing

If you’re thinking about buying, investing, or reviewing your current mortgage, this episode lays out exactly how to position yourself before the dust settles and rates begin drifting lower — just as we’ve been anticipating for months.

#Fed rate cut #Mortgage rates 2025 #Refinance strategy #Cash-out refinance #Home buying strategy #Physician mortgage #High-income borrowers #Bond market update #MBS spreads #Real estate investing #Rate drift forecast #Housing market update #Financial strategy #Wealth-building strategies #Mortgage advisor podcast