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The Real Reason Mortgage Rates Aren't Falling

2025-10-09 Education
130.0k
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Minority Mindset
Minority Mindset
2.5m subscribers

Why Mortgage Rates Rose Despite Federal Reserve Rate Cuts

Understand the four critical factors governing the 10-Year Treasury yield, which directly dictates your mortgage rate, even when the Federal Reserve cuts borrowing costs.

Short Summary

  • Mortgage rates decouple from Federal Reserve actions because the 10-Year Treasury yield acts as the primary benchmark for lenders.
  • Lender pricing weighs your personal qualifications (credit score, down payment) secondarily to the market rate set by long-term government borrowing costs.
  • Four major forces—Fed rates, economic growth, investor fear, and inflation outlook—constantly shift Treasury yields, creating market imbalance. This overview explains why recent Federal Reserve interest rate reductions did not lower mortgage costs. It details the primary driver—the 10-Year Treasury yield—and the four macro factors that move this critical benchmark.

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Description

Watch my free masterclass & get Market Briefs as a bonus: https://link.briefs.co/46QnIX1 My recommended tools*! *Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube. ---------- ➤ Get a complimentary advisor session 1) 💰 Money Pickle - Best for retirement, investing & tax strategy: https://theminoritymindset.com/advisor ---------- ➤ Life Insurance 2) 🛡 Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) 🏠 Fundrise* - Invest in real estate passively! https://www.theminoritymindset.com/fundrise *Jaspreet Singh is an equity owner in Fundrise and has invested in Fundrise. He receives a commission if you use his affiliate link. ---------- ➤ My Favorite Credit Cards 4) 🪪: See my top credit card picks for this month: https://www.theminoritymindset.com/creditcards ---------- ➤ Invest In Stocks Passively 5) 📈 M1 Finance - Buy stocks & ETFs on autopilot: https://theminoritymindset.com/m1 ---------- ➤ Business Accounting 6) 💸 CommonWealth - Does your business do over $250k/year? If yes, get a free consultation from my partner accounting firm: https://theminoritymindset.com/tax ---------- Buy Gold Passively 7) 👑 Vaulted - Buy physical gold on autopilot: https://theminoritymindset.com/yt/vaulted ---------- Recommended: Trump’s Secret Crypto & Gold Plan to Survive the US Debt Collapse https://youtu.be/RhtC4BZqjr8 What Is The Minority Mindset? "The Minority Mindset has nothing to do with the way you look. It's the mindset of thinking differently than the majority of people" ~Jaspreet Singh Follow me: Instagram: https://www.Instagram.com/MinorityMindset Website: https://www.TheMinorityMindset.com Want More 🥑🥑? Minority Mindset Clips: https://www.youtube.com/minoritymindsetclips Minority Mindset En Español: https://www.youtube.com/minoritymindsetenespanol Video host: Jaspreet Singh DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you. DISCLAIMER CONT'D: I'm just a random guy on YouTube so do your own research! Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but is he is not providing you with legal advice in these videos. This video, the topics discussed, and ideas presented are Jaspreet's opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

Top Comments (10)

@CarysCorner 2025-10-09

Glad you covered this! I remember a mortgage broker telling me the mortgage rate was not tied to the Fed, but the 10 year note. I kept thinking the mortgage rate was not going to fall as fast as people hoped.

226 5 replies
@brandonkauffman7256 2025-10-09

I don't know how you manage to pump out so much information but thanks for help!

33
@Emzy-87 2025-10-10

I’m living with my in-laws while we supposed to be looking for a home. Everyone I talk to always says “The interest rates are falling” ya well, I ain’t buying a house for 400k that’s only worth 200k because interest dropped .25 percent. It’s common sense. Buyers control prices. Stand strong fellow folks who are fed up with pricing. Hold fast.

30 3 replies
@SERGIONUNEZ-v5o 2025-10-09

Who is more confused now

24 1 replies
@charlesharrison5398 2025-10-09

My mortgage rate did go down. Navy Federal is currently offering 5.37% on 30 year mortgage.

16 3 replies
@OPneedsnerfed 2025-10-09

Make sure you shop around. One bank in town was 8%. Went across town at was at 5.875.

12
@MinorityMindset 2025-10-09

Register for my free masterclass & get Market Briefs as a bonus: https://briefs.finance/oqw WARNING: LOOKOUT FOR SCAMS IN THE COMMENTS! There are many fake accounts impersonating me, and there are many bots promoting fake/scam investments. I will NEVER ask you to contact me through YouTube comments, telegram, or WhatsApp. I have a checkmark next to my name and my comment will be highlighted. Fake accounts do not have that. Please be aware of fake accounts trying to scam you using my name and picture!

8
@seanfobbs7575 2025-10-09

So basically we will have to wait until the Fed funds rate is significantly lower to see the ten year yield drop significantly

3
@steveg7380 2025-10-14

Best 12min 42sec I’ve spent. Appreciate the education

2
@davidammonds2011 2025-10-12

Buyers have smartened up’ buyers that understand real estate are not moved by interest rates, the cost of these homes are beyond high’ making the loan amount ridiculous to pay back- Who wants to be house poor’

1

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