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The Federal Reserve just hit the "pause" button on interest rates in their February 2026 meeting. After a series of cuts late last year, the Fed is holding the benchmark rate steady at 3.5%–3.75%. But what does this actually mean for mortgage rates, home prices, and your plans to buy or sell a home this year? In this emergency market update, I break down exactly why the Fed made this decision, why mortgage rates aren't dropping as fast as we hoped, and the "Catch-22" facing the 2026 housing market. If you are waiting for rates to crash before buying, you need to watch this video first. 👇 IN THIS VIDEO, WE COVER: The Fed's "Pause" Explained: Why inflation and labor market data forced the Fed's hand. The Mortgage Rate Myth: Why the Fed doesn't control your mortgage rate (and what actually does). 2026 Rate Forecast: Where experts predict rates will go (5.7% vs 6.5%). Inventory vs. Affordability: The hidden danger of waiting for lower rates. Action Plan: 3 tactical steps for buyers and sellers to win in this market. 📅 TIMESTAMPS: 00:00 - Intro: The Fed hit pause (Emergency Update) 01:29 - Why the Fed held rates steady in Feb 2026 03:45 - The Mortgage Rate Myth (Fed Funds vs. 10-Year Treasury) 05:47 - The Inventory Catch-22 (Supply vs. Demand) 07:42 - The "Silent Slowdown" in the Job Market 09:24 - 3 Action Steps for Buyers & Sellers Right Now 11:44 - Conclusion & Final Verdict I am a licensed REALTOR® based in the State of Florida. Whether you are looking to buy, sell, or just understand how the industry actually works, you are in the right place. Subscribe for weekly videos that put your interests first. ------------------------------------------------------------------------------------------------------------------------- 👇 READY TO MAKE A MOVE? If you are looking to buy or sell in Florida, let's connect. I can help you navigate these market shifts to get the best deal possible. Let's connect! 📞 📈 REAL ESTATE MARKET RESOURCES: Albert Stepniak, Realtor with Coldwell Banker Realty in Boynton Beach, Florida 📧 Email: albert.stepniak@floridamoves.com 📱 Phone: 773-330-0552 Stay Connected: Subscribe for more Florida real estate updates! www.movewithalbert.com Connect on Social Media: Instagram: www.instagram.com/movewithalbert Facebook: www.facebook.com/movewithalbert TikTok: www.tiktok.com/@movewithalbert YouTube: / @movewithalbert ------------------------------------------------------------------------------------------------------------------------- Disclaimer: This video is for informational purposes only and does not constitute financial, legal, or real estate advice. Please consult with a qualified professional for personalized guidance based on your specific situation. All photos, pictures, and graphics are for illustrative purposes only. ------------------------------------------------------------------------------------------------------------------------- Welcome to Move With Albert! We provide weekly updates, expert analysis, and practical tips on the Florida real estate market to empower you in your home buying, selling, and investing journey. New videos every Sunday! ------------------------------------------------------------------------------------------------------------------------- Hashtags: #realestate #housingmarket #canceledlistings #realestateadvice #homeprep #housingtrends #realestatenews #FloridaRealEstate #PalmBeachRealEstate #HousingMarket2026 #FloridaLiving #RealEstateMarketUpdate #MortgageRates #MovingToFlorida #RealEstateTips #BuyersAgent #FirstTimeHomeBuyer #HowToHireAnAgent #BuyersAgent #RealEstateTips #HiringARealtor #RealEstateEducation #HomeBuyerTips #RealEstateInterview #RealEstateRedFlags #HowToBuyAHouse #AgentVsRealtor #HomeBuyerTips #HousingMarket2026 #FedRatePause #RealEstateUpdate #MortgageRates #RealEstateAgent #boyntonbeachrealestate #delraybeachrealestate ------------------------------------------------------------------------------------------------------------------------- References: What to Watch After the Fed Hit Pause on Rates https://www.floridarealtors.org/news-...