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A basis point is one one-hundredth of a percentage ... Consequently, housing market experts expect mortgage rates to remain stubbornly high, only gradually easing as we move through 2025.

The consolidation within the bear flag has the price trading in an ascending parallel channel, with today’s drop testing critical support levels, including the lower boundary of the flag at $2. ...

It has a target to keep inflation at 2%. When inflation is high, it may decide to raise rates to bring inflation back down. The idea is to encourage people to spend less and reduce demand.