Fed Rate Cuts: Who Should Rate Lock Or Refinance Asap | Bigger Pockets Video

Episode #1176

Join the Future of Real Estate Investing with Fundrise:
link

Episode Show Notes:
link

Join BiggerPockets for FREE 👇
link

Let Us Know What You Thought of the Show!
link

Grab Dave’s Book, “Real Estate by the Numbers”:
link

Sign Up for the BiggerPockets Real Estate Newsletter:
link

Find Investor-Friendly Lenders:
link

_On the Market_ 357 - Rising Unemployment Could Spill Into Real Estate (But By How Much?):
link

Connect with Dave:
link

The Federal Reserve has finally cut rates. Will mortgage rates follow? If you’ve been waiting to rate lock or refinance, is now the time, or does the market think we have even further to fall?

With inflation coming down from past years’ peaks and unemployment slowly ticking up, the Fed made the decision everyone was waiting for: cut rates…cautiously. There are still more 2025 rate cuts lined up, but they may not have the effect on mortgage rates that many people think. Many expect mortgage rates could dip into the mid-5% range by late 2025—Dave isn’t so sure.

Today, we’re giving you a full recap of the Fed meeting and their announcement, what current mortgage rates are, and interest rate predictions for the rest of 2025 and into 2026. Plus, Dave shares who should consider rate locking and refinancing right now as mortgage rates have fallen over the past couple of months.

If you missed the Fed meeting, don’t worry, this episode will get you up to speed!

0:00 Fed Finally Cuts Rates
1:16 Fed Announcement Recap
4:00 Future Fed Rate Cuts
6:05 Current Mortgage Interest Rates
9:52 MARKETING PLUG: Fundrise
10:04 Mortgage Rate Predictions
15:47 Are 5% Rates Possible?
23:00 Should You Rate Lock/Refinance?