Guides & Tutorials - ABO Capital

How Mortgage Rates Are Determined (Full 2025 Guide): What Actually Drives Your Rate

by Steve | Nov 14, 2025 | Guides & Tutorials

How Mortgage Rates Are Determined Mortgage rates don’t actually start with your loan officer or even the Federal Reserve. They begin with large institutional investors, the bond market, and how your specific file is structured. If you’re self-employed, a real...

How Mortgage Rates Are Determined (Full 2025 Guide): What Actually Drives Your Rate

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