J.R. Whalen

speaker

37,077 appearances 1,141 recordings 1 series first heard Sep 2017 last heard Jan 2025

J.R. Whalen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · The Fed Is Cutting Rates. Why Aren't Mortgage Rates Falling? · 11 Nov 2024 podcast

Send us a voice note to ymb at wsj.com or 212-416-3413. voice-verified

And now onto the show. voice-verified

Here's your Money Briefing for Monday, November 11th. voice-verified

I'm J.R. voice-verified

Whelan for The Wall Street Journal. voice-verified

The Federal Reserve has dropped interest rates by three-quarters of a percentage point since September, but mortgage rates have not followed suit. voice-verified

We'll ask WSJ's Ben Eisen to explain what that means for prospective homebuyers and when they could see some relief after the break. voice-verified

While the Federal Reserve has lowered interest rates for the second straight session, 30-year mortgage rates on average have been rising since early October and are approaching 7%. voice-verified

Wall Street Journal Deputy Personal Finance Bureau Chief Ben Eisen joins me to explain why. voice-verified

Ben, what's the difference between mortgage rates and the interest rates that the Fed lowered on Thursday? voice-verified

In your story, you write that the central bank wants to push down the cost of borrowing for homes, cars and other purchases. voice-verified

So why haven't mortgage rates moved lower with the other interest rates? voice-verified

It seems like there's a disconnect because stocks also rose last week. voice-verified

But would higher mortgage rates cut into the housing market, which is such an important economic indicator? voice-verified

How common is it for mortgage rates and the other rates to move in opposite directions? voice-verified

How do economists expect mortgage rates to trend going forward? voice-verified

Mortgage rates on average are approaching 7%. voice-verified

Are the rates out there below the average? voice-verified

And what kind of research should prospective homeowners do to save money? voice-verified

What factors in someone's personal finance would help them secure a lower mortgage rate? voice-verified

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