Interest rates have been on somewhat of a wild ride since the end of 2015. At that time, the Federal Reserve started raising rates, and since then, there have been several rate hikes. Before the end of 2015, rates were steadily low at points near zero for years following the Great Recession as part of an effort to promote recovery and spark growth. The Fed doesn’t determine moves in mortgage rates, at least not directly, because they deal with short-term rates. However, what the Fed does plays an indirect role in mortgage rates. Where do rates and particular mortgage rates stand now, and what does the future look like?