US mortgage rates have plunged to their lowest point in three years following a major policy shift. The latest move has rippled across financial markets, reshaping expectations for borrowing costs and economic growth trajectories. For investors tracking macro trends, this development signals a meaningful shift in the broader economic environment. Lower mortgage rates typically ease housing affordability pressures and could potentially boost consumer spending—factors that historically influence risk appetite across asset classes, including digital currencies. The policy pivot underscores how traditional financial conditions remain deeply interconnected with crypto market dynamics. When central banks and governments adjust course on interest rates and credit conditions, portfolio rebalancing often follows, creating both opportunities and volatility for those positioned across different asset categories. Market participants are watching closely to see whether this trend sustains or reverses.