Your Mortgage Is Not the Enemy: How to Use Debt as a Strategic Financial Tool
One of the biggest mistakes homeowners make is focusing only on the interest rate. Rates matter — but they’re only one piece of the puzzle. Things like liquidity, future plans, and how your cash could work elsewhere often get ignored.
Mortgage Rates vs. The Fed Funds Rate: What Really Moves the Market
Every time the Federal Reserve announces a rate change, the assumption is simple: mortgage rates will move the same way. Fed cuts mean lower rates. Fed hikes mean higher rates.
The truth? Mortgage rates and the Fed Funds Rate live in different worlds.

