If You Got a New Mortgage in the Last 2 Years, Chances Are You Could Benefit From a Refinance

Many Colorado homeowners who bought or refinanced in the last two years may be paying more than they need to on their mortgage. And while the Federal Reserve has started cutting interest rates, that doesn’t always mean mortgage rates will automatically follow. In fact, sometimes mortgage rates can rise even after the Fed cuts rates.

Understanding why this happens—and acting before September 15—could save you thousands.

Why Mortgage Rates Can Go Up After a Fed Cut

Most people assume mortgage rates and Fed rate cuts are tied together. But mortgage rates are actually driven more by the bond market than the Fed’s short-term interest rate. Here’s what can cause rates to climb even after a Fed cut:

1. Investor Expectations – If investors believe the economy will strengthen after a cut, they may move money out of bonds. Lower demand pushes bond yields higher—and mortgage rates follow.

2. Inflation Concerns – Rate cuts can lead to more spending. More spending can drive inflation, and mortgage investors demand higher returns to offset it, pushing rates up.

3. Market Sentiment – Even when the Fed cuts, mortgage rates move based on what the market expects will happen next. If inflation seems sticky or the economy overheats, rates may rise.

   
   

👉 Bottom line: A Fed cut is not a guarantee that mortgage rates will fall.

Why Now Is the Right Time to Refinance in Colorado

If you purchased or refinanced your home in the last two years, there's a good chance you could benefit from a rate and term refinance in Colorado. By refinancing now, you may be able to:

• Lower your monthly payment.

• Shorten your loan term and pay off your mortgage faster.

• Build equity more efficiently.

And with special lender incentives available, waiting could mean missing out.

Athena Mortgage Group Limited-Time Offer

As your local Colorado mortgage broker, I'm currently offering:

• A 1% origination fee paid by the lender—not you

• Access to special lender incentives is only available until September 15

That means you can refinance with no out-of-pocket lender fee while taking advantage of today's market.

Don't Wait—Lock in Your Loan Before September 15!!

If you're considering a refinance in Colorado, don’t wait for Fed announcements or gamble on where rates might go. By acting now, you can lock in today’s savings and secure a 1% lender-paid origination fee before September 15.

📞 Call Tiffany Cox today to start your refinance and take advantage of this limited-time opportunity.