Help Your Clients Lock In a Lower Rate for the Next 5 Years
With mortgage rates dipping and the Fed signaling possible cuts ahead, now’s the perfect time to introduce your clients to the benefits of a 5/6 adjustable-rate mortgage. Here’s why it can be a smart solution in today’s market:
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Lower initial rate for the first 5 years — often hundreds in monthly savings compared to a 30-year fixed. After the initial fixed period, the rate adjusts based on the market once every 6 months.
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Increased purchasing power so clients can consider more homes or better features.
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Improved cash flow that can help clients manage other priorities.
Share this option with your clients and give them a competitive edge in today’s market.
Rate info as of 8/8/25, subject to change.
Weekly Market Update
Mortgage rates decreased this week and markets took a bit of a rollercoaster ride. The White House unveiled sweeping tariffs on dozens of trade partners, reigniting concerns about rising costs across supply chains. Industries like auto, manufacturing, and certain tech hardware sectors were especially hard-hit, while defensive plays drew new interest amidst the uncertainty.
The ISM Services report delivered a mixed signal: activity is cooling, yet prices are still sticky—mirroring last week’s softened jobs figures. It’s that uneasy mix of slowing growth and persistent inflation that brought “stagflation” whispers back into the conversation. Now the Fed has a real balancing act: weakening labor data argues for rate relief, but inflation that won’t budge suggests caution. Despite the complexity, markets are leaning in—with better than 90% odds priced in for a September rate cut.
With borrowing costs easing slightly, housing activity ticked up. Applications for both purchases and refinances picked up steam—even modest rate relief can make a big difference when people are watching every dollar.
Initial Jobless Claims: 226,000 (week ending Aug. 8, 2025)
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10-Year Treasury Yield: 4.26% (as of Aug. 8, 2025)
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Mortgage Applications: +3.0% week-over-week (week ending Aug. 8, 2025)
Looking ahead, the next few weeks will be shaped by how markets digest incoming economic data and the Fed’s September decision. With global trade tensions rising and inflation still in focus, each new report could shift expectations in a big way. For now, the recent dip in rates offers a bit of breathing room, but the path forward remains anything but settled.
