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Vibrant Living – November 2025

ICE Mortgage Technology
Sep 18, 2025
0 min read

Updated: Sep 22, 2025

Vibrant Living

FINANCE: FICO vs. VantageScore: What's the Difference? You know credit scores matter, but not all credit scores are the same. Learn how FICO and VantageScore differ, and why your credit score can vary. Click here to read the article.

True or False? The Federal Reserve sets 30-year mortgage rates. Keep scrolling for the answer.

RECIPE: No-Bake Pumpkin Cheesecake. Pumpkin pie has a new rival. This no-bake cheesecake delivers rich fall flavor without the need to turn on the oven. Click here to get the recipe.

Knowledge Check Answer: False. It's a common misconception that the Federal Reserve controls mortgage rates, but it only sets short-term rates. In fact, long-term rates like the 30-year fixed usually follow the 10-year Treasury yield - not the fed funds rate. Other factors like the economy, global events, and Fed decisions also play a role, which is why mortgage rates don't always move the way people expect.

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