CQ Brief : December Edition
The Fed announced yet another quarter point cut to the federal funds rate
In the Fed’s October FOMC meeting, they decided to cut the federal funds rate by another quarter point, making the overnight interest rate range between 3.75% and 4.00%. This led mortgage rates to fall in unison, which is great news for prospective buyers and recent buyers that made the bet that they would be able to refinance at a lower rate sooner rather than later. It’ll be important to look at the economic data that’s released once the government shutdown ends, as this data is what the Fed bases their interest rate decisions on. Once we receive some more clarity regarding economic data, then we’ll have a better idea of whether or not to expect a rate cut in December.
We may have another rate cut in the not-so-distant future
As we mentioned above, we might have another rate cut ahead of us, as CME’s FedWatch predicts a 65% chance of a 25 basis point rate cut in the Fed’s December meeting. However, it is worth noting that once the government shutdown-related “economic data moratorium” that we’ve been facing is lifted, this probability can shift very rapidly. If economic data is considerably better or worse than anticipated, then this may change how the Fed looks at the cutting cycle that we’re currently in. This means it’ll be very important to keep your eye out for key inflation and labor data once it eventually comes out.
Current market dynamics have created an interesting setup for 2026
As we move into the seasonally slow months, the market environment that we’re in is setting up for what could be a very interesting 2026. Inventories are still growing (for now), and interest rates are falling, which could put us in a very interesting position when the spring frenzy begins next year. It’ll be important to keep a keen eye on both the market and broader macroeconomic conditions throughout the fall and winter, so that you and your clients are ready for whatever spring has to throw at you.
Welcome to Jensen Villas. A beautiful community of 12 stunning, stand-alone 2-story homes in a private gated community. Each residence features an attached double car garage, elegant quartz countertops, top-of-the-line stainless steel appliances, and a balcony on the second floor. The primary bathroom showcases double sink vanities, an expansive oversized shower, and a spacious walk-in closet. The open kitchen seamlessly integrates into the warm and inviting living room, creating an enchanting space that is ideal for hosting and entertaining. This welcoming community offers a comfortable and enjoyable living experience.
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