West Windsor Market Update | Why Fed Rate Cuts Don’t Move Mortgage Rates

Nicole Muk
Nicole Muk
Published on October 13, 2025

This week in West Windsor:

-2 new listings ($485K – $1.189M)
-2 homes went under contract
-7 closings ($350K – $1.315M)
-Inventory stays low with only 40 resale homes
-Showings down 30% year-over-year

💡 Big insight this week:
It’s not the actual Fed rate cut that moves mortgage rates — it’s the expectation of that cut.

Take September 17th as an example: the cut was announced that day, but mortgage applications spiked 29% by September 12 — a week earlier!

Lesson for buyers and sellers:
Be ready to act fast when opportunity appears, or you’ll always be chasing the market.

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