The David Greene Show Mortgage Monday | Why the Fed are Keeping Rates High & What It Means for You | Episode 82
13 snips
Sep 9, 2025 
This week, Christian Bachelder, a seasoned loan officer at The One Brokerage, shares his expertise on navigating the current mortgage landscape. He breaks down the Federal Reserve's decision to maintain high interest rates and its impact on mortgages, credit cards, and the economy. The discussion highlights the connection between Fed policies and consumer loans, the challenges borrowers face in a tight market, and how tariffs influence borrowing costs. Bachelder’s insights provide valuable context for anyone trying to make sense of today’s real estate environment.
AI Snips
Chapters
Transcript
Episode notes
Fed Controls Short-Term Money Value
- The Fed controls the federal funds rate, not individual loan rates like mortgages or credit cards.
- Mortgage and consumer loan rates generally track the Fed rate and the 10-year Treasury yield via bank margins.
Tariffs Can Feed Inflation Pressure
- Tariffs can drive up consumer prices when companies pass added costs to buyers, creating inflation pressure.
- The Fed may hold rates high preemptively to counteract that potential inflationary effect.
Let Data Guide Rate Decisions
- Base monetary policy on market data, not speculation about possible future effects.
- Lower rates to test market response and raise them again if inflation resurges.