Fed Raises Rates in September 2026: What It Means for Mortgage Rates & Housing

The Federal Reserve raised the federal funds rate by 0.25% on September 16, 2026. What does that mean for mortgage rates, homebuyers, homeowners, HELOCs, the housing market, and the economy? In this video, Robert Nyazov from R&J Capital Group breaks down the latest Fed decision and compares what was expected for 2026 with what has actually happened. We discuss: • Why the Fed raised rates by 0.25% • What the rate increase means for HELOCs and variable-rate borrowing • How higher rates can affect the housing market • Why mortgage rates don't always move directly with the Fed's rate • What higher borrowing costs could mean for homebuyers and homeowners • How interest rates can affect builders and housing supply • Why higher rates can also create opportunities in other areas of the financial markets • What to watch for as we move through the rest of 2026 The mortgage and housing markets are constantly changing. If you're thinking about buying a home, refinancing, taking cash out, or financing an investment property, understanding the rate environment can help you have a more informed conversation about your options. Have questions about how current rates may affect your mortgage plans?