The Fed Just Hiked Rates. No Cuts Until 2028. What Realtors Need to Tell Buyers Now

The Federal Reserve raised interest rates on September 16, 2026, for the first time in over three years. The new dot plot shows one more hike this year, zero cuts in 2027, and the first cut not until 2028. If you are a real estate agent, a home buyer, or a seller, this video explains exactly what that means for you, in plain English, with real numbers. In this Realtor education session, Ricky Khamis, Certified Mortgage Planner and President of EPiQ Lending, breaks down: 00:00 The Fed just hiked. What your clients are about to ask you 01:30 What the Fed actually did: 3.75% to 4.00%, unanimous vote 03:15 Why the Fed does NOT set mortgage rates (the chain from the FOMC to your payment) 06:00 The dot plot explained: September vs. June 08:00 Where the 18 Fed officials stand for the rest of 2026 09:30 Why the Fed got more aggressive: GDP, unemployment, and inflation 11:30 Why rate cuts wait until 2028 13:00 What the bond market already did: the 10-year at 5%, mortgage rates above 7% 14:30 Three scenarios for the next 90 days 16:00 Payment math on a $500,000 loan 17:30 Structure beats rate: the seller-paid 2-1 buydown 19:30 What this means for your buyers 21:00 What this means for your sellers and listings 22:30 Six questions your clients will ask this week 24:00 Key dates between now and year-end 25:00 Three things to do this week Key takeaways: Mortgage rates moved before the Fed, not because of the Fed. The 10-year Treasury crossed 5% on September 14. Sixteen of eighteen Fed officials expect at least one more hike in 2026. Each quarter point on a $500,000 loan is about $85 a month. A seller-paid 2-1 buydown saves about $650 a month in year one. Assumable FHA and VA loans from 2020 to 2021 are the best marketing a listing can have. Work with EPiQ Lending: Ricky Khamis, Certified Mortgage Planner and President NMLS 173141 Call or text: 480-999-9842 Email: rick@epiqlending.com Web: https://epiqlending.com Sources: Federal Reserve FOMC Statement, September 16, 2026: https://www.federalreserve.gov/newsev... Federal Reserve Summary of Economic Projections: https://www.federalreserve.gov/moneta... EPiQ Lending, NMLS 1936964. Equal Housing Lender. Licensed in AZ, CA, CO, FL, NV, TX, UT, and IN. Payment examples are illustrative, principal and interest only, and exclude taxes, insurance, HOA, and mortgage insurance. Actual terms depend on program, credit, LTV, and lock date. This video is educational and is not a commitment to lend or financial advice. #FedRateHike #MortgageRates #RealEstate #Realtor #HomeBuying #FederalReserve #EPiQLending #ArizonaRealEstate #ScottsdaleRealEstate #MortgageTips