Dec. 10, 2025: Divided Fed approves third interest rate cut this year, sees slower pace ahead.
In a 9-3 vote, the Fed has lowered its key overnight borrowing rate another 25 basis points to a range of 3.50% – 3.75%, indicating only one rate cut in 2026 and one rate cut in 2027 (according to the dot plot). More importantly the Fed announced another “quantitative easing” program by purchasing $40B in T-bills beginning Dec. 12, 2025.
“Andrew is an impeccable gentleman and real estate agent who made our dream home possible. He managed to show me over 50 homes in LA in just three days, performed negotiations in a professional and courteous manner, and made my transition to LA very smooth. When our initial deal fell through, Andrew helped us find another property in less than a week and even sped up the timeline for move-in. He truly went above and beyond for me and my family. Andrew is genuine, honest, and hardworking who you can trust when finding the right home.”
“Andrew helped us purchase our home this past March 2016. He is very professional, kind and he got along great with my husband and daughter and really understood our specific needs as a family. We were really lucky to find him. He made the process as simple as he could and kept a strong line of communication with us the whole time and explained each part of the home buying process. We really felt like he was on our team. He found us exactly what we wanted and for that we are forever grateful. He is a great listener and determined to help you reach your home buying goals. It was so refreshing to meet someone in the industry who is kind, humble, hardworking and trustworthy.”
“My husband contacted Andrew about a house he had listed that we found over the internet. We were both impressed at his quick response to our calls. As my husband was ill, I flew into LA for 7 days to find a house with in-law quarters. I brought the documents Andrew said would help the process of attaining a house. He worked tirelessly with me. We saw 30+ houses. He was good at getting a hold of the selling Realtors who would not call back in a timely fashion. He was knowledgeable about the areas where we were looking even though he also works in other areas. He could tell me what zip codes were better than others. Andrew is professional, knowledgeable, considerate. and untiring. He heard me when I told him some specific things we needed. I highly recommend him. We found the perfect home for two families. He was able to recommend people to give us estimates for necessary improvements to the house.”
“I had a plan to purchase a home in 30 days. I met Andrew about 10 days after my 30-day search and let me tell you that it was a Godsend. Literally! I told him what I was looking for, location, size, and price. He took on the job, was available to work around my schedule to either send information or meet up to view homes. The day of house viewings he came well prepared with his laptop and paperwork ready. Never did he try to convince me or tell me what I have to be willing to compromise just to make a sale. He actually pointed out things I didn’t see to help me in deciding whether or not a house was a match for me. He was patient and understanding. He helped me in finding my house in less than 20 days with a pool ready for the summer. If you want an agent that looks out for your best interest look no further; Andrew is just a phone call away. Trust me now and thank me later!”
“It’s rare that you find a Realtor that is earnest in their respective efforts, comprehensive in all aspects of their craft, and rooted in integrity and forthrightness, but Andrew Belcher is that rare breed. I met him in 2011- it was a tumultuous time for our family. It was the tail end of the economic downturn that gripped America. In the midst of a tornado of activity, Andrew Belcher was the beacon of clarity that allowed us to navigate that dynamic. Again in 2016- faced with a completely different set of circumstances and challenges whereby we had to sell a home and purchase a home Andrew Belcher was that constant that steered our family to a wonderful end. With unyielding gratitude, I offer the utmost of recommendations for his services.”
“Andrew went above and beyond when I was ready to start my house-hunt. I could not have invented a more patient, observant, or knowledgeable advocate. He was constantly available for questions or ready to offer comments (often at hours I wouldn’t expect), and he was always ready to hit the road for a viewing on a schedule that didn’t impact my work hours. That’s the kind of indulgence you don’t expect, and he was ready to bring it whenever it was needed. If you’re looking for the right agent, your search stops here.”