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However, the Fed does set the overall tone for borrowing costs. To sum up: The Fed does not directly set mortgage rates, but its policies influence the financial markets and investors that dictate how these rates move. Learn consider, nea personal loans consider about how the Federal Reserve affects mortgage rates.

To determine the Bankrate Monitor mortgage rate averages, Bankrate collects APRs and rates from the 10 largest banks and thrifts in 10 phoebix U.

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