How an ARM Helps Your Clients Ease Into Homeownership
Higher rates can create hesitation for buyers. An Adjustable-Rate Mortgage (ARM) may offer your clients a lower initial payment compared to a fixed loan, giving them more affordability up front and the option to refinance later if rates move down.
Partner with me to show your clients how this strategy could help them move forward with confidence.
All loans subject to credit approval. Rates and fees subject to change.
Weekly Market Update
Mortgage rates increased slightly this week as markets reacted to both the Federal Reserve’s recent comments and ongoing uncertainty from the government shutdown.
After the Fed cut rates in mid-September, borrowing costs briefly moved higher on signals that officials could stay cautious about additional cuts. At the same time, the government shutdown has added a layer of uncertainty that’s keeping investors on edge. When this happens, money often moves into safer investments like U.S. Treasuries — and that can help bring mortgage rates down temporarily.
Even though rates are a little higher today, short-term dips are still possible in the weeks ahead. For homebuyers, that means staying prepared to act quickly if a window opens to lock in a lower rate. For homeowners, refinancing opportunities may resurface if the shutdown or future Fed actions pull rates lower again.
The Federal Reserve is still expected to cut rates again in November, but the impact of the shutdown could shift that timeline. Until then, the best strategy is to stay in touch, stay prepped with documents, and be ready to act if a rate opportunity appears.
Rate info as of 10/02/25, subject to change. Not financial/investment advice, consult a financial advisor for your specific situation.
