Discover why these cuts don’t directly lower mortgage rates and learn about the housing market’s current state, including how low rates affect inventory and why rising home prices create challenges for buyers. Kayla Kallander, Assistant Vice President and Mortgage Lender from First International Bank and Trust, shares practical advice on engaging with lenders early, understanding the mortgage process, and the nuances of refinancing. With insights into Arizona’s rapidly growing housing market, this episode emphasizes the importance of financial education and provides actionable tips for making informed home-buying decisions. Tune in to get the real scoop on interest rates and master the Arizona housing market!