This article was originally published on Better.com The spread of COVID-19 has impacted the US economy in unprecedented ways. Even with March 15th’s record-breaking federal interest rate cuts, many homeowners are surprised to find that rates are either higher than expected or changing rapidly from day-to-day. Here are the four key factors affecting mortgage rates today: Market volatility Supply and demand Federal Reserve actions Limited lender capacity Market volatility Volatility refers to how big the up and down swings of the markets are. When markets are swinging wildly, as they are now, investors attempt to protect themselves from risk. Lenders in particular guard themselves by holding rates steady, even as…