There was cautious optimism in the early days of 2026 that the interest rate cuts that marked the final months of 2025 would continue into the new year. While many didn't anticipate a rate cut from the Federal Reserve in January, borrowers were hopeful that additional cuts would be issued later in the year. But that hasn't happened so far and, in fact, with inflation now surging, a pause in the Federal Reserve's interest rate policy may only be broken when the central bank moves to increase

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