The Fed Cuts, But Your Rate Sheet Still Sucks

GRO MONEY NEWS · Dec 10, 2025 · 5m

The Fed is expected to cut rates today – so why are 10-year yields still stuck just above 4% and mortgage rates still hovering near 6%? In this episode, Teresa breaks down the gap between the overnight rate and your actual cost of capital, why bond prices have not surged, what that means for housing and CRE deals, and how Bitcoin and other risk assets are reacting. We close with a “Rate-Cut Reality Check” sales play you can run today with your borrowers, sponsors, and employers. Supported by SIMERP, the no-cost employee benefit that can help workers keep more of every paycheck.

Until…