The Fed, most members, at least want to lower interest rates, but there is still some hesitation due to inflation concerns. Early indicators suggest inflation may have peaked and could move closer to the 2% target in the coming months.

The labor market has weakened, which is a growing concern. The Fed has acknowledged that the market has softened and is something they are watching closely.

Both these are strong indicators that the Fed rate and Mortgage rates will continue to drop in 2026.

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