How this page evolved

Every published version is kept. Each entry shows what changed and why. Earlier versions can be restored by moderators, but only if the material they rely on is still available.

1. Revision 3Oct 15, 2026, 8:22 AMLiveAI-organised, reviewed

   Added two newly supplied sources on US monetary policy transmission to mortgage rates: a 2012 study finding that Fed policy surprises move 1-year ARM and 30-year fixed rates within a week, with asymmetric and regionally varied pass-through, and a 2017 practitioner piece on the Fed's rate-normalisation path.

   • · The main finding was rewritten.
   • · Updated “What pushes mortgage rates up”.
   • · Updated “What it means for homeowners and buyers”.
   • · 1 new source cited.
   • · The note on uncertainty changed.
   • · The key takeaways were revised.
   • · 2 new pieces of guidance for specific situations.
   • · 1 new open question.
2. Revision 2Oct 6, 2026, 9:40 AMAI-organised, reviewed

   AI-prepared Starting Map from live research.

   • · First published version.