Golden hour view of a Florida coastal neighborhood street with palm trees and single-family homes

The Fed Meets Today. The Decision Is Already Priced In. Here Is What Actually Matters.

July 28, 2026•1 min read
Custom HTML/CSS/JavaScript

Talk it through

Have a question about your own situation? I answer the phone. No pressure, no pitch, and if your current plan is the right one I will tell you that.

Call or text (941) 941-5150

When a refinance actually makes sense

Already have a quote? Get a second look

Run the numbers on the calculator

Send me a message

More from Tony

1rmtg.com home · About Tony · How I run a mortgage call · All Field Notes posts

Loan programs: All loan options · First-time buyer · Self-employed · Refinance · HELOC and home equity · Non-warrantable condos

Where I lend: Sarasota · Lakewood Ranch · Bradenton · Venice · Every Florida location

Still have a question? 74 mortgage questions, answered straight


Tony Fitzgerald, NMLS #1284924. 1st Response Mortgage, powered by Mpire Financial Group LLC, NMLS #2108504, Florida Mortgage Lender License #MLD2467. Equal Housing Lender. NMLS Consumer Access: nmlsconsumeraccess.org. This article is general education, not financial, tax, or legal advice, and not an offer of credit or a commitment to lend. Terms vary by borrower, property, and transaction, and program guidelines change over time.

blog author avatar

Tony Fitzgerald

Tony Fitzgerald is a mortgage loan officer known as The Mortgage Jedi, NMLS #1284924. He spent years in the fire service before moving into mortgages, and writes here about real situations from his desk.

Back to Blog