{"id":4051,"date":"2026-06-18T18:28:59","date_gmt":"2026-06-18T18:28:59","guid":{"rendered":"https:\/\/finzexpert.com\/blog\/mortgage-rates-stage-decent-recovery-of-post-fed-losses\/"},"modified":"2026-06-18T18:28:59","modified_gmt":"2026-06-18T18:28:59","slug":"mortgage-rates-stage-decent-recovery-of-post-fed-losses","status":"publish","type":"post","link":"https:\/\/finzexpert.com\/blog\/mortgage-rates-stage-decent-recovery-of-post-fed-losses\/","title":{"rendered":"Mortgage Rates Stage Decent Recovery of Post-Fed Losses"},"content":{"rendered":"<p> <\/p>\n<div>\n<p>Mortgage rates spiked yesterday after the Fed announcement. The primary driver was the Fed&#8217;s revised outlook for potential rate hikes later this year. Because the Fed Funds Rate governs ultra-short-term transactions (24hrs or less), it has the biggest impact on the shortest-term debt and a diminishing impact on longer term debt.<\/p>\n<p>While the typical mortgage may be ABLE to last for 30 years, in practice, the average mortgage length (due to refinances and sales) is a moving target assumed to be around 5 years. That&#8217;s helping us today.\u00a0<\/p>\n<p>Shorter-term debt is still having some indigestion over Fed day, but longer-term debt has recovered more of yesterday&#8217;s losses. Top tier 30yr fixed rates are about halfway back to yesterday&#8217;s pre-Fed levels for the average mortgage lender and in the lower-middle of the range seen since mid-May.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates spiked yesterday after the Fed announcement. The primary driver was the Fed&#8217;s revised outlook for potential rate hikes later this year. Because the Fed Funds Rate governs ultra-short-term transactions (24hrs or less), it has the biggest impact on the shortest-term debt and a diminishing impact on longer term debt. While the typical mortgage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[962,476,153,3588,154,232,360],"class_list":["post-4051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan","tag-decent","tag-losses","tag-mortgage","tag-postfed","tag-rates","tag-recovery","tag-stage"],"_links":{"self":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts\/4051","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=4051"}],"version-history":[{"count":0,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/posts\/4051\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/media\/4052"}],"wp:attachment":[{"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=4051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=4051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finzexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=4051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}