Andrew Rousan - Realtor

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Andrew Rousan - Realtor Helping first-time buyers, FHA and VA buyers, families, and homeowners navigate real estate throughout St. Charles County and the greater St. Louis area.

When people hear that the Federal Reserve has cut interest rates, the next question is usually: “Does that mean mortgage...
10/02/2026

When people hear that the Federal Reserve has cut interest rates, the next question is usually: “Does that mean mortgage rates dropped too?”

It’s a fair question. The answer is not necessarily.

The Fed sets a target for the federal funds rate, a short-term rate that affects borrowing throughout the economy. But the Fed does not set the rate a lender offers you on a 30-year fixed mortgage. Mortgage rates are influenced by a different mix of factors, including the bond market, expectations about inflation, and the cost of making and selling home loans.

Think of it this way: the Fed and mortgage rates are in the same conversation, but they are not reading from the same script.

Why Can Mortgage Rates Move Differently?

A 30-year mortgage is a long-term loan. Its rate tends to move more closely with longer-term investments, especially the 10-year U.S. Treasury, than with the Fed’s short-term rate. Lenders also consider what investors are willing to pay for mortgage-backed securities and the costs and risks involved in making loans.

Markets look ahead, too. If investors expect the Fed to cut rates, that expectation may already be reflected in mortgage rates before the announcement. And if a Fed announcement raises concerns about future inflation, mortgage rates could even rise afterward.

That’s why a quarter-point Fed cut does not mean every mortgage quote will fall by a quarter point the next morning.

What Does This Mean If You’re Buying or Selling?

If you’re buying, it means a headline is not the same thing as a loan quote. Your rate will also depend on your credit profile, loan type, down payment, and the options your lender offers. A lender can show you what today’s payment would look like and whether paying points or using a temporary buydown makes sense for your situation.

If you’re selling, it means you don’t have to build your entire plan around the next Fed meeting. Buyers are watching their monthly payments, the homes available to them, and whether a property feels like a good value. Pricing and presentation still matter.

Mortgage rates are important, but waiting for one announcement to make the decision for you can leave you guessing. The better starting point is to look at today’s numbers, your goals, and your options.

Curious what the current market means for your next move in St. Charles or St. Louis? Let’s talk it through.

Our little future Realtor maybe? Joining us for our weekly office meeting 😄 It was her snack break apparently 😂
09/01/2026

Our little future Realtor maybe? Joining us for our weekly office meeting 😄 It was her snack break apparently 😂

Learning all about MOLD, so you don’t have to!
08/26/2026

Learning all about MOLD, so you don’t have to!

08/14/2026

Getting an offer accepted on a house is exciting. It’s also a point in the process where buyers can accidentally make things harder on themselves.

You start measuring rooms, thinking about furniture, maybe looking at appliances. Then you see the new couch you want with 0% financing, or decide this would be the perfect time to finally replace the car.

Probably not yet.

Just because your offer was accepted doesn’t mean your mortgage is completely finished. Your lender may still verify your credit, employment, income, and the money you’re using for the purchase before everything is finalized.

That means opening a new credit card, financing a big purchase, taking out a car loan, changing jobs, or making a large deposit could create new questions or affect something the lender used to approve you in the first place.

That doesn’t mean you have to put your entire life on hold until closing. Pay your bills, buy groceries, go out to dinner, live normally.

The important part is avoiding any **major financial changes without checking with your lender first.**

If you’re under contract and find yourself wondering, “Is this going to matter?” don’t guess. Call your lender and ask before you do it.

A five-minute conversation ahead of time is a whole lot easier than trying to sort something out a few days before you’re supposed to get the keys.

If you’re thinking about buying and aren’t sure what the process looks like from start to finish, send me a message. I can help you figure out what the first step should be and what to expect along the way.

08/13/2026

Buyers around St. Charles have something they haven’t had quite as much of lately:

**More choices.**

There are more homes on the market now than there were earlier this spring, and we’re also seeing more price reductions.

That does NOT mean the market suddenly crashed or that every seller is desperate to make a deal.

Good homes can still move quickly.

But it does mean buyers may have a little more room to slow down, compare their options, and actually think through a decision instead of feeling like they have to jump on everything immediately.

And on the seller side, this is where pricing starts to matter even more. If buyers have several comparable homes to choose from, being noticeably overpriced can get expensive pretty quickly.

I think this is one of the more interesting changes in the market right now because it’s not really a dramatic shift.

It’s just a little more breathing room.

And honestly, after the way the housing market has felt the last few years, a little breathing room isn’t a bad thing.

If you’re curious what the market looks like in your particular price range or area, feel free to ask. I’m happy to take a look.

I haven’t talked much about real estate on here in a long time.That’s about to change.I’m back to actively working in re...
08/12/2026

I haven’t talked much about real estate on here in a long time.

That’s about to change.

I’m back to actively working in real estate throughout the St. Charles and greater St. Louis area, and you’re going to start seeing a lot more of it from me again.

Homes I think are worth checking out. Local market updates. Things buyers and sellers should actually know. Neighborhoods and communities around the area. And probably some of the behind-the-scenes stuff that comes with working in real estate too.

I’m not looking to turn my social media into one giant sales pitch. I’d rather share things that are actually useful, whether you’re planning a move soon, thinking about one down the road, or just like keeping up with what’s happening around here.

And of course, if you’re thinking about buying, selling, relocating, or you just have a real estate question, feel free to reach out 🏠

Looking forward to getting back into it.

Address

920 1st Capitol Drive Suite 103
St. Charles, MO
63301

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