What happened
The Federal Reserve released economic projections with its September 15–16, 2026 meeting. Participants supplied views on economic growth, unemployment, inflation and an appropriate future path for monetary policy.
The accessible projection materials explain that these views depend on information available at the meeting and individual assumptions.
Our context for homeowners
A projected policy-rate path is not a promise about your future mortgage rate. It is also not a lender quote, an approval or a scheduled refinance opportunity.
Rather than building a plan around one forecast, compare several hypothetical rates and holding periods. That shows how your estimate changes if borrowing costs or your plans differ from what you expect.
Keep the comparison grounded
Use the calculator to compare monthly payments, entered fees and debt remaining. Label a rate assumption as hypothetical unless it comes from an actual lender offer.
This summary explains the September release. It does not predict market movement or recommend when to refinance.