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Federal Reserve 29 December 2025 - 30 December 2025

Mortgage rates in 2026: Why Fed cuts may not lower home loans as much as buyers hope

Mortgage rates in 2026: Why Fed cuts may not lower home loans as much as buyers hope

U.S. mortgage rates have edged down to about 6.18% for a 30-year fixed loan, but economists say Federal Reserve rate cuts may not translate into a big drop in 2026. The issue matters as the housing market heads into the new year with affordability still tight and millions of would-be buyers waiting for financing to ease. The Fed wrapped up 2025 with another quarter-point cut in early December, its third cut of the year, CBS News reported.
30 December 2025
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Stock Market Today

  • Bank of Montreal Stays Flat After Downgrade Call
    July 4, 2026, 6:03 AM EDT. Bank of Montreal (BMO) has steady fundamentals, good liquidity, and solid capital. Still, the stock trades at a premium and looks overbought. That adds potential short-term risk. Analysts keep a hold rating, telling investors to wait for a better price.
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