FROM THE DESK
A DC AREA LIFESTYLE BLOG
Why Mortgage Rates Follow the 10-Year Treasury and Not the Federal Reserve Rate
When the Federal Reserve cut rates by 0.25% in October 2025, mortgage rates rose instead of falling - confusing many buyers and homeowners. Here's why: mortgage rates don’t follow the Fed rate.
Rate Buydown vs. Mortgage Points: What Sets Them Apart?
With interest rates higher than they’ve been in some time, buyers are searching for ways to keep their monthly mortgage payments down. Here we discuss two options: Mortgage points, and rate buydowns.
From The Desk is a DMV-focused blog, highlighting the joys of living in the Washington DC metropolitan area. Offering insight ranging from design tips, things to do, and beautiful homes, to upcoming events and local developments, the goal is to keep readers engaged, and updated on what’s happening locally. Author Joshua Baumgardner is a local realtor with TTR Sotheby’s International Realty, and comes from a background of family real estate. Joshua is a graduate of James Madison University and Florida State University. Prior to a career in real estate, Joshua was a professional opera singer, and has sang across the US and Europe.
jbaumgardnder@ttrsir.com