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Understanding interest rates can feel like solving a puzzle, right? I'm here to help put those pieces together! The prime rate is set by the banks working alongside the Federal Reserve—you might see it pop up in terms of credit cards and car loans. Mortgage rates, however, dance to a different tune; they're influenced by the bond market, inflation, and investor confidence. Remember, a change in the prime rate doesn't mean your mortgage will automatically follow—it takes its cues from the bigger
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