Rising costs are making buyers think twice, but a seller or builder paid temporary buydown can flip the script. By lowering monthly payments in the first year or two, you can give clients the confidence to move forward now instead of waiting.
You don’t need to lose buyers over monthly payments. I’ve got tools that make the numbers work and keep your pipeline moving.
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Weekly Market Update
Mortgage rates decreased this week, giving buyers and homeowners a bit of relief after months of higher borrowing costs. The drop came as the Federal Reserve signaled it may cut rates in September, which usually puts downward pressure on long-term borrowing like mortgages.
For buyers, this shift is encouraging, but the bigger picture still feels uneven. Jobless claims moved higher, showing the job market is starting to cool. At the same time, consumer confidence slipped as inflation worries picked back up. When people are uneasy about the economy or their paychecks, they tend to hesitate on big purchases — and that includes homes.
Mortgage applications also pulled back, mostly on the refinance side. Purchase activity held steadier, but buyers are still cautious. Lower rates help, but affordability is stretched with high home prices and everyday costs still weighing on household budgets. If the Fed does move ahead with a cut next month, it could open up a little more opportunity for those waiting on the sidelines.
Initial Jobless Claims: 235,000 (week ending Aug. 16)
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10-Year Treasury Yield: 4.25% (as of Aug. 22, 2025)
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Mortgage Applications: -1.4% from previous week
Rates are moving, but affordability is still tough, so we’ll have to watch how the next few weeks unfold. A cut from the Fed could lower borrowing costs further and create a window of opportunity. In the meantime, this is a good chance to get your finances in order, explore what you can comfortably afford, and stay connected with me so you’re ready to move quickly when conditions improve.
Market conditions are shifting, and that can spark new opportunities. Let’s connect on how we can work together to guide clients and keep deals moving.