Fed Cuts Rates, What It Means for Homeowners

TAYLOR LAMBERT November 3, 2025

The Fed announced a rate cut of 0.25% this week. This was very much anticipated. However, Chairman Powell stated, "another cut in the December meeting is not a foregone conclusion... If the economy looks unchanged, there will be an argument to slow down on cuts."

The 10-year yield didn't like that much, so rates moved slightly higher after the meeting concluded.

Here's my two cents. The Fed has lost its independence a while back. Going forward, the Trump administration is the new Fed. Sure, we might not have another cut in December or early next year, as Powell is fearful of rising inflation, but his term is ending 7 months from now. On the other hand, President Trump has been very vocal about getting rates back to 1% or lower, so despite what Chairman Powell said, I do believe there will be more cuts to come. If you're already a homeowner and missed the chance to refinance with recent lower rates, more chances will come your way.

As for homebuyers, while I'm never one to push for FOMO, I do believe from now until the end of the year, sales price is less likely to be inflated. Going into next year, we'll most likely see a surge in prices.

I feel that from now to the end of the year is a great time to buy, while the first half of next year is going to be a great time to sell.