Article: FOR MORTGAGE RATES, THIS IS AS GOOD AS IT GETS JUST BECAUSE THE FED CUT INTEREST RATES, DON'T EXPECT MORTGAGE RATES TO DROP.(FRONT)

Byline: Paul Johnson Assistant business editor

Mortgage rates are about as low as they've been in 30 years, but if you're waiting for rates to drop further following the Federal Reserve's interest rate cut this week, think again.

That's because mortgage rates don't follow in lock-step with the short-term interest rates that the Federal Reserve manipulates. And, economists say, mortgage rates usually anticipate rate changes by the Fed.

But while the Fed's moves have kept Wall Street investors guessing, homeowners have been locking in on the attractive mortgage rates, putting mortgage lending volume on track to match the record pace of 1998, ...

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