Will the Fed Cut Rates This Week? Insights from Efficient Lending

Tips on refinancing and purchasing when rates are coming down

With the Federal Reserve's upcoming meeting on September 17, 2025, the big question on everyone's mind is: Will the Fed cut rates tomorrow?

Conventional wisdom—and market expectations—suggests yes, with economists widely anticipating a rate cut of either 25 or 50 basis points. This could be the first cut since December 2024, potentially easing the federal funds rate from its current 4.25%-4.50% range.

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A word of caution:

Fed rate cuts directly impact the Federal Funds Overnight Rate, not mortgage rates. More often than not, the mortgage market has already priced in an expected 25 basis point cut, so don't expect dramatic immediate drops in home loan rates.

The real market reaction will likely hinge on Chair Jerome Powell's comments during the Q&A and press conference.

If he signals more cuts on the horizon—perhaps two or three in 2025—that could spark a positive shift, benefiting refinancing and new purchases.

To help you prepare

I recorded two insightful videos almost a year ago, right ahead of the September 2024 Fed rate cuts.

The tips I shared on evaluating mortgage options, avoiding common pitfalls, and securing low-cost financing tailored to your unique needs are just as relevant today.

Whether you're an agent guiding clients or a borrower exploring refinancing or home buying, these videos emphasize how strategic choices can build generational wealth and lasting legacies through real estate.

3 Must Know Tips To Capatilize on Refinancing Your Mortgage

I encourage you to watch both videos below—they're quick, educational, and packed with actionable advice. Feel free to reach out via phone for a personalized conversation; I truly enjoy building those trust-based relationships and explaining the subtle nuances to ensure your mortgage fits perfectly.

Crush Your Purchase - Mortgage Tips For Buyers When Rates are Falling

Tips start at 2:57

These insights complement the storytelling in my podcast,

Mosaic: The Stories of Real Estate,

where we explore how homeowners can create multi-generational assets.

If you have questions about how this Fed decision might impact your situation—whether purchasing, refinancing, or investing—call me. At Efficient Lending, we teach, guide, and foster long-term trust-based friendships.

Visit our website for more resources.

Let's turn these potential rate cuts into opportunities for your real estate success!

Best regards,

Mike Nelson
Owner, Efficient Lending, Inc. (NMLS: 1876539)
720.419.3016 or mike@efficientlending.net @mike_lending
NMLS: 1314188

Let us help you!

Mike will reach out to you shortly