Rates Hold at 3.50%–3.75% as Fed Signals Caution—Borrowers Should Prepare for Ups and Downs

Two professionals review financial documents at a desk in a modern office with city skyline and sunset visible through large windows. Graphs and charts are spread across the table.

The Federal Reserve held rates steady at 3.50%–3.75% at Kevin Warsh’s first meeting as chair, marking the fourth consecutive pause in 2026. With May inflation running hot at 4.2% and the labor market stabilizing, the committee saw little justification for either a cut or a hike. Markets had fully priced in the hold, but the…

Your credit score is one of the most critical factors in determining whether you qualify for a mortgage and what interest rate you’ll pay. A higher score can save you thousands of dollars over the life of your loan. Why Credit Scores Matter in Mortgage Applications When applying for a mortgage, lenders want to understand…