
What You Need to Know Now About the Fed’s Rate Cut and Mortgage Rates
While rate cuts can spark hope for lower borrowing costs, don’t assume mortgage rates will keep dropping. Last year, rates briefly fell after a Fed cut—only to climb back above 7%.
Why Fed Cuts Don’t Always Lower Mortgage Rates
Mortgage rates aren’t set directly by the Fed. Instead, they’re shaped by:
- Federal Reserve policy
- The bond market
- Inflation
- The 10-year Treasury yield (a key driver)
When Treasury yields increase, mortgage rates tend to follow.
As of now, experts project that 30-year mortgage rates will remain between 6.3% and 6.4% through year-end. Any rate below 6% is considered outstanding in today’s market and should be taken advantage of quickly.
Why Modular and Manufactured Homes in Florida Are a Smart Choice
Even with some relief from lower rates, affordability remains a challenge due to high home prices. That’s why manufactured homes and modular homes in Florida, Florida continue to be one of the best housing values available today.
Here’s why:
- Modular homes are built to the same strict codes as site-built homes.
- They often feature modern designs, open layouts, and superior energy efficiency.
- Buyers can save significantly compared to traditional construction—without sacrificing quality.
At Ocala Custom Homes, we help families throughout Central Florida find affordable housing solutions that fit their lifestyle and budget.
Should You Buy Now or Wait for Rates to Drop?
It’s tempting to wait for lower mortgage rates, but remember—rates are unpredictable. If you find the right modular or manufactured home at Ocala Custom Homes and at a payment you can afford today, it may be smarter to move forward now rather than risk rising rates or increased buyer competition later.
The good news? Ocala Custom Homes has secured the best rate we’ve seen in years—just 4.875% WAC. This is well below the national average and creates a unique opportunity for homebuyers ready to act.
Take Advantage of Today’s Best Rate in Florida
Don’t wait for the “perfect” market—create your opportunity now. Whether you’re looking for a manufactured home in central or a custom modular home in Florida, we can help you secure the best deal possible.
👉 Contact Ocala Custom Homes today at 352-629-3001 or visit our model and design center located at , 6095 S Pine Ave, Ocala, FL 34480 to get prequalified before the end of the year and take the first step toward owning your dream home.
Special Offer
💥 Don’t forget—our largest Lot Model Sale of the Year is happening now! Save THOUSANDS on over 18 beautiful lot models and enjoy rates as low as 4.875%.