The Federal Reserve didn't cut rates in July — and for the first time since 1993, there was dissent within the Fed. Two governors voted against holding steady, signaling a shift may be coming. What does this mean for the housing market, mortgage rates, and your buying or selling plans?

In this video, we break down:

What happened at the July Fed meeting

Why housing was barely mentioned

The likelihood of a rate cut in September

How mortgage rates are reacting

What buyers and sellers need to know for the rest of 2025

We also discuss potential scenarios for 2026 and tips for navigating today’s real estate market — including options for buyers using jumbo, FHA, and PFHA loans.