# Why the Fed Can't Cut Rates (Even Though Everyone Wants Them To)

Page: https://stenobird.com/podcast/mortgage-rates-today-housing-market-fed-news-the-rate-update-with-dan-frio-1155244/why-the-fed-can-t-cut-rates-even-though-everyone-wants-them-to
Text version: https://stenobird.com/podcast/mortgage-rates-today-housing-market-fed-news-the-rate-update-with-dan-frio-1155244/why-the-fed-can-t-cut-rates-even-though-everyone-wants-them-to.md
Podcast: [Mortgage Rates Today | Housing Market & Fed News – The Rate Update with Dan Frio](https://stenobird.com/podcast/mortgage-rates-today-housing-market-fed-news-the-rate-update-with-dan-frio-1155244)
Published: 2026-05-08T14:23:15+00:00
Episode link: https://audioboom.com/posts/8901119
Audio file: https://dts.podtrac.com/redirect.mp3/audioboom.com/posts/8901119.mp3?modified=1778250369&sid=5005820&source=rss
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Duration seconds: 597

## Resource

99% chance of NO Fed rate cut? In today’s video, we break down why the Federal Reserve may not be ready to cut interest rates — even though homebuyers, homeowners, and the housing market are all waiting for relief. The big issue: the economy is still too strong, inflation is still too sticky, and the Fed does not want to cut too early and risk reigniting inflation. That matters because the Fed does NOT directly set mortgage rates — but Fed policy, inflation, the 10-Year Treasury, and mortgage bonds all help drive where mortgage rates move next. So if you’re waiting for mortgage rates to drop before buying a home or refinancing, this is the data you need to understand. Watch here: https://youtu.be/mXfhEySRie8 🔗 NEXT STEPS 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact TOP RESOURCES 📉 Track Mortgage Rates Automatically → https://rw2.therateupdate.com/ 🏠 TRU Mortgage Command Center → https://command.therateupdate.com/ 💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations 📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980 📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin VIDEO CHAPTERS 00:00 Why everyone wants the Fed to cut rates 00:45 The 99% no-rate-cut setup 01:35 Why the Fed may stay on hold 02:40 Inflation is still the problem 03:45 Why a strong economy can keep rates higher 04:55 How the 10-Year Treasury impacts mortgage rates 06:10 What mortga…

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