For many Americans, pets are more than companions; they're family. And increasingly, those furry, feathered, or finned family members are influencing where people live and what kind of home they buy or sell.

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When headlines scream that the Federal Reserve is raising or lowering rates, it's easy to assume your mortgage will be affected immediately. But here's the truth: the Fed doesn't directly control mortgage rates. And understanding the difference could help you make smarter decisions about buying, selling, or refinancing.

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