Article: Fed cuts not lowering mortgage rates.(B)(Business)

Byline: Kristina Stefanova

Mortgage rates have not come down much, despite a string of interest-rate cuts by the Federal Reserve this year, much to consumers' surprise.

The Fed has lowered its target for overnight rates six times this year, most recently by a quarter-point in late June. But mortgage rates declined more modestly from 8.29 percent to a two-year low of 6.95 percent in March, and since then have inched back up to around 7.19 percent yesterday.

"There's a very common misconception among consumers that interest-rate cuts on behalf of the Fed translate into lower mortgage rates," said Greg McBride, a financial analyst with ...

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