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Fed decides against rate hike, and we see an immediate dip in rates. Consensus seems to be that a rate hike is imminent before the end of 2015. Good news for now!
This is good news for now!
I have actually been doing a lot of research into this because I will be closing on my new build home in March, the fed rates doesn't exactly corrolate to fed rates though they do affect them. Mortgage rates in the 6- 9 month term will be more affected however by inflation forces (higher inflation, higher mortgage rates), how the stock market is doing - more volatile stock market will make investors buy more "safe" investments like mortgage bonds which will keep rates low. So if the fed rates hikes rates in December - I would expect a very small change in rates, slighlty upward, but will have to keep closer eye to the other factors such as inflation and stock market volatility.