May 2, 2025
Mortgage Market Outlook: May 2, 2025 – Rate Forecasts, Listing Policy Shifts, and Housing Trends
Morgan Stanley Forecasts Rate Easing Into 2026
Read the full story →
thestreet.com
Morgan Stanley has released a forward-looking mortgage rate forecast, projecting a gradual decline in rates through 2026. Contrary to hopes of a dramatic rate drop, the investment bank’s economists anticipate a slow easing path, aligning with expectations of a soft landing for the economy. The firm pointed to stabilizing inflation and a less aggressive Federal Reserve as supporting factors for this trend.
This measured forecast reinforces the notion that rates will drift lower, not plunge. Analysts note that while short-term volatility is likely due to economic data releases and geopolitical developments, long-term bond yields are showing signs of cooling. If the Fed pauses hikes and economic indicators remain stable, a modest but steady decline in mortgage rates could create more favorable conditions for homebuyers by mid-to-late 2025.
Loan officers should view this as a key moment to set realistic expectations with clients. While affordability should improve in the long run, near-term conditions still call for strategic planning. Use this forecast to highlight the benefits of readiness, such as securing favorable terms when opportunities arise or leveraging temporary rate buydown programs to bridge affordability gaps.
Zillow Tightens Listing Standards Under NAR’s Clear Cooperation Rule
Read the full story →
northjersey.com
Zillow announced it will stop displaying property listings that are publicly marketed but not listed in the local MLS within one business day, effective immediately. This change is in direct response to the National Association of Realtors’ (NAR) Clear Cooperation Policy, which seeks to ensure fair access to housing data by limiting so-called “pocket listings” or off-market deals that restrict exposure to select buyers.
This policy shift could reshape how agents market listings, particularly in high-demand or luxury markets where exclusivity has sometimes been used as a selling tactic. By requiring listings to be input into the MLS quickly, the policy levels the playing field and prioritizes broad visibility. Zillow’s decision aligns the platform with MLS rules and may further incentivize listing agents to follow standardized practices, minimizing consumer confusion.
For loan officers, this move presents an opportunity to provide added clarity for clients about listing visibility and market transparency. It’s a great time to partner with agents to ensure clients are accessing the full spectrum of homes available. Educate buyers on how listing availability works and prepare them to act quickly, knowing they’re seeing up-to-date and compliant inventory.
Mortgage Rates Edge Up Slightly After Strong Economic Signals
Read the full story →
mortgagenewsdaily.com
Mortgage rates ticked upward on May 1 following a stronger-than-expected economic report. The average 30-year fixed rate now sits at 6.83%, up slightly from the previous day. Market analysts attributed the movement to a robust manufacturing report, which suggested ongoing economic expansion and raised the prospect of continued inflationary pressures.
While the rate change was modest, it serves as a reminder that rates remain sensitive to economic signals. Bond markets, which influence mortgage rates, react quickly to data that could alter the Federal Reserve’s policy stance. As long as inflation remains above the Fed’s long-term target, rates are likely to remain volatile even if longer-term forecasts point to easing.
Loan officers should use this as an opportunity to discuss rate lock strategies with clients. With daily shifts possible, preapproved buyers should be equipped to move quickly when favorable pricing appears. Emphasize the value of locking in now with options for future float-downs, especially for borrowers wary of short-term rate swings.
Pending Sales Slip Despite Growing Housing Inventory in April
Read the full story →
realtor.com
Realtor.com’s April housing report revealed a nuanced picture of the spring market. While active inventory grew, pending home sales declined month-over-month, signaling a cautious buying environment. Buyers appear hesitant despite more choices, with affordability concerns and rate volatility likely playing a role in suppressing contract activity.
This dynamic suggests buyers may be waiting for either rates to fall or home prices to soften further. Inventory remains well below historical norms, though the month-over-month improvement does provide a ray of hope for those frustrated by tight supply. The increased days-on-market also point to a market in transition—still favoring sellers, but with less urgency.
For loan officers, now is a perfect time to educate buyers on market timing and strategy. Help clients distinguish between data-driven decisions and emotional hesitation. Promote affordability tools such as temporary buydowns, payment planning, and preapproval refreshes to help them move with confidence when the right home appears.
Real Estate-Related Stock Performance (as of April 26, 2025)
- Rocket Companies (RKT): $12.37 ▲ 0.4%
- UWM Holdings (UWMC): $4.60 ▼ 0.3%
- Zillow Group (ZG): $62.89 ▲ 0.1%
- Redfin Corp (RDFN): $8.98 ▼ 0.4%
- Lennar Corp (LEN): $106.72 ▲ 0.6%
- D.R. Horton (DHI): $123.10 ▲ 0.4%
- Equifax Inc. (EFX): $252.04 ▲ 0.2%
Builder and housing platform stocks rose slightly, reflecting confidence in rising inventory and long-term rate improvement. Mortgage lender stocks remained more neutral, mirroring the stability seen in current rate movements.
Loan Officer’s Perspective: Convert Uncertainty Into Opportunity
The market continues to shift, and that gives proactive LOs a chance to lead. Take advantage of Morgan Stanley’s rate forecast to reset expectations for long-term affordability—and to move clients toward readiness, not perfection. Zillow’s listing update offers a reason to connect with agents and reinforce your role as a strategic guide in the process.
As inventory rises but buyers hesitate, use market data to coach clients on urgency without panic. Pair this with affordability tools, and help them see the opportunity others are missing. Lastly, keep your rate watch tight. Daily volatility means one well-timed lock can turn a maybe into a “yes.”
Want to win every Friday with a focused plan?
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Mortgage Rates Steady at 6.81% Amid Economic Uncertainty
Read the full story → Mortgage News Daily
Mortgage rates remained unchanged on April 30, 2025, with the average 30-year fixed rate holding at 6.81%. This consistency offers a brief window of predictability for loan officers and homebuyers alike. The flat rate movement comes as markets digest weakening GDP data and shifting bond yields.
Recent economic reports show U.S. GDP shrank by 0.3% in Q1 2025, raising the possibility of a mild recession. At the same time, Treasury yields declined, with the 10-year yield hovering near 4.45%, reflecting expectations of eventual Federal Reserve easing later this year. Inflation remains above target but is showing mixed signals.
Loan Officer Takeaway: Now is the time to reach out to fence-sitting buyers. Use the stable rate environment to emphasize the predictability of locking in terms. Help clients run the numbers and make affordability-driven decisions.
Treasury Secretary Urges Fed to Cut Rates as Growth Slows
Read the full story → CNBC
U.S. Treasury Secretary Scott Bessent has called for the Federal Reserve to reduce interest rates, citing an inverted yield curve as a red flag for future economic weakness. Two-year Treasury yields have dipped below the Fed Funds Rate, a historical recession signal.
This public pressure marks a growing divergence between fiscal and monetary leadership. While the Fed remains cautious due to persistent inflation near 3%, fiscal officials are warning that the economy cannot sustain higher borrowing costs amid sluggish growth.
Loan Officer Insight: If rate cuts do materialize, mortgage rates could follow. Get ahead by preparing refinance lists and coaching clients on rate lock strategies tailored to their timelines. Position yourself as a steady hand during a potentially volatile summer.
MRED Updates Private Listing Network in Response to NAR Rule Change
Read the full story → Chicago Agent Magazine
Midwest Real Estate Data (MRED) has enhanced its Private Listing Network (PLN) following recent updates to NAR’s Clear Cooperation Policy. The revisions allow agents to maintain listings privately for limited periods before public marketing, provided there’s informed seller consent.
This move gives sellers more discretion over when and how their property is marketed. It also gives agents and lenders early visibility into homes that are not yet listed publicly. MRED’s PLN is one of the most developed systems of its kind, and these changes further legitimize its use for strategic selling.
Loan Officer Takeaway: Proactively build relationships with agents using private listing tools. Offer pre-approvals for buyers looking in competitive markets and help your partners navigate inventory that’s not yet public. This is your edge.
Real Estate-Related Stock Performance (as of April 30, 2025)
- Rocket Companies (RKT): $12.37 ▲ 0.4%
- UWM Holdings (UWMC): $4.60 ▼ 0.3%
- Zillow Group (ZG): $62.89 ▲ 0.1%
- Redfin Corp (RDFN): $8.98 ▼ 0.4%
- Lennar Corp (LEN): $106.72 ▲ 0.6%
- D.R. Horton (DHI): $123.10 ▲ 0.4%
- Equifax Inc. (EFX): $252.04 ▲ 0.2%
Builder stocks posted modest gains thanks to ongoing strength in new construction activity. Mortgage lenders remain rangebound as the market awaits Fed direction. Stock movements reflect overall market caution.
Loan Officer’s Perspective: Practical Applications for May
- Capitalize on Rate Stability: Reach out with updated payment scenarios for buyers waiting for lower rates. Locking today could still mean long-term savings.
- Refi Radar: Start compiling a list of clients from Q3/Q4 2022 who may benefit from a summer refinance if rates dip.
- Agent Collaboration: Explore new private listing strategies. Offer early pre-approvals and help agents position buyers ahead of public listings.
- Educate with Clarity: As rate chatter increases, be the voice of logic. Avoid predictions—emphasize preparation.
Want more structure in how you execute daily? Visit DailySuccessPlan.com to see how top LOs stay consistent and confident, regardless of the market.
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April 30, 2025
April 2025 Mortgage Market Update: Trump’s Qatar Project, Rate Stability, and Slowing GDP
Trump Organization Launches First Real Estate Project in Qatar
The Trump Organization has partnered with Qatari Diar and Dar Global to develop its first project in Qatar: Trump International Golf Club and Trump Villas. The project is part of the $5.5 billion Simaisma development, which includes an 18-hole golf course and entertainment venues, including a Land of Legends theme park.
This venture adds to Trump’s growing real estate footprint in the Gulf region, with other projects in Dubai, Jeddah, Riyadh, and Oman. Eric Trump’s recent visit to the region highlighted the importance of strong U.S.-Gulf ties for real estate and tourism investment.
President Trump is expected to visit Qatar and neighboring Gulf states in the coming weeks to discuss broader investment deals, signaling continued U.S. commercial influence in the region.
Loan Officer Insight: The international real estate expansion by U.S. brands like Trump’s may spur luxury property investment interest among global buyers. Keep an eye on cross-border demand trends and how foreign investments might impact high-end domestic markets.
Mortgage Rates Stabilize at 6.81% Amid Market Caution
According to Mortgage News Daily, the average 30-year fixed mortgage rate is now 6.81%, a marginal 0.01% decline from the day prior. This comes after weeks of rate volatility sparked by inflation reports, tariff reactions, and mixed economic data.
With bond markets calming slightly, rate movement has entered a holding pattern, offering a brief moment of clarity for homebuyers and loan officers alike. While the broader range remains between 6.7% and 6.9%, even small movements are meaningful in a high-rate environment.
Market watchers suggest staying alert for employment and inflation data, which could quickly push rates higher or lower depending on upcoming releases.
Loan Officer Takeaway: Now’s the time to re-engage fence-sitting buyers. Rate stability—however short-lived—offers a chance to promote rate locks, strategic preapprovals, and structured buy-down conversations.
Q1 2025 GDP Slows to 0.3% as Consumer Spending Weakens
The U.S. economy expanded at just 0.3% in Q1 2025, according to the latest report from the Commerce Department. That figure fell sharply from 3.4% in Q4 2024 and marks the weakest growth since mid-2022.
Economists attribute the downturn to slower consumer spending, increased tariffs, and persistent inflation pressures. Consumer confidence also took a hit, with the Conference Board’s index falling to 86—the lowest since May 2020.
This environment could put more pressure on policymakers and dampen housing market activity as consumers grow increasingly cautious.
Loan Officer Insight: Economic deceleration doesn’t mean your pipeline should follow suit. Use these signals to adjust messaging, highlighting affordability tools and financial preparedness to navigate uncertain times.
Real Estate-Related Stock Performance (as of April 29, 2025)
- Rocket Companies (RKT): $12.37 ▲ 0.4%
- UWM Holdings (UWMC): $4.60 ▼ 0.3%
- Zillow Group (ZG): $62.89 ▲ 0.1%
- Redfin Corp (RDFN): $8.98 ▼ 0.4%
- Lennar Corp (LEN): $106.72 ▲ 0.6%
- D.R. Horton (DHI): $123.10 ▲ 0.4%
- Equifax Inc. (EFX): $252.04 ▲ 0.2%
Builder stocks saw modest gains following recent new development announcements and stable rates. Meanwhile, mortgage lenders stayed range-bound, reflecting caution due to softening economic indicators.
Loan Officer’s Perspective: Make Stability Work for You
- Activate Past Leads: Reach out to preapproved clients who paused during recent rate volatility. Emphasize today’s steady rate window.
- Balance Optimism with Reality: With GDP slowing and consumer confidence down, highlight preparedness, not urgency, in your conversations.
- Refine International Strategy: Global projects like Trump’s Qatar deal underscore the importance of understanding foreign buyer interests and global capital flows.
- Sharpen Affordability Options: With economic pressure rising, revisit your toolkit—rate buydowns, credit repair tactics, and down payment programs matter more than ever.
Looking to elevate your daily systems? Visit DailySuccessPlan.com for routines used by top-producing LOs in every market.
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April 29, 2025
Fed Signals, Real Estate Growth, Housing Market Trends: Mortgage Update April 29, 2025
Fed Officials Offer Differing Signals on Timing of Potential Interest Rate Cuts
Read the full story → Scotsman Guide
Federal Reserve officials are sending mixed messages regarding the timing of potential interest rate cuts, leaving markets uncertain about future monetary policy. While some policymakers suggest patience is needed until inflation moves closer to the 2% target, others hint at possible cuts later this year depending on evolving data.
Recent speeches highlight a divide: some members urge caution, citing sticky inflation, while others note signs of economic softening that could warrant easing rates. Despite differing views, there is broad consensus that any changes will be gradual and data-dependent.
Market Implication: Loan officers should prepare clients for ongoing rate volatility. Managing expectations around timing and providing multiple rate-lock options will be key strategies in the months ahead.
Loan Officer Takeaway: Educate borrowers on market unpredictability. Offer rate-lock programs with extensions and emphasize preapproval readiness.
United Real Estate Named Fastest-Growing Franchise Brand
Read the full story → PR Newswire
United Real Estate has been recognized as the No. 1 fastest-growing real estate franchise brand according to the “2025 Franchise Times Fast & Serious” list. The firm’s unique model—which emphasizes 100% commission plans, technology investment, and agent support—has fueled significant expansion across the U.S.
The ranking reflects United’s rapid growth trajectory, doubling its agent count and substantially increasing transaction volume over the past two years. Leadership credits the company’s cloud-based brokerage model for its success in both urban and suburban markets.
Market Insight: Growth in agent-centric models like United’s indicates a shift toward flexibility and technology-driven solutions in real estate. Loan officers should align with these trends to deepen referral relationships.
Loan Officer Takeaway: Connect with United agents and similar brokerages. Highlight digital mortgage tools and flexible lending programs that complement their tech-forward approach.
Weekly Housing Market Update: April 28th
Read the full story → Calculated Risk
The latest weekly housing data shows continued pressure on inventory and affordability. New listings remain below normal seasonal levels, and total active inventory is still far from pre-pandemic baselines.
Purchase application volume dipped slightly, following rate increases earlier in April. Meanwhile, price growth remains positive year-over-year, although at a slower pace compared to the frenzied pandemic years.
Trend Analysis: While inventory remains constrained, the market is not collapsing. Buyers are adjusting expectations, and creative financing solutions are gaining traction.
Loan Officer Takeaway: Be proactive with listing agents. Offer strategies like appraisal gap coverage or buydown options to help buyers win in low-inventory markets.
Treasury Yields Hold Steady Ahead of Key Earnings Reports
Read the full story → CNBC
U.S. Treasury yields remained stable as investors awaited major earnings announcements that could provide new clues about the economic outlook. The 10-year yield hovered around 4.65%, reflecting cautious optimism among market participants.
Economic data releases, including GDP revisions and inflation reports, are influencing Treasury markets—which, in turn, affect mortgage rates. Many analysts believe rates could remain range-bound in the short term unless major surprises emerge.
Market Watch: Loan officers should continue monitoring bond yields closely. A sudden move could impact lock-in decisions and client strategies.
Loan Officer Takeaway: Stay in regular communication with clients. Offer quick-lock options and real-time rate alerts to keep them informed and confident.
Real Estate-Related Stock Performance (as of April 29, 2025)
- Rocket Companies (RKT): $12.35 ▲ 0.3%
- UWM Holdings (UWMC): $4.58 ▼ 0.4%
- Zillow Group (ZG): $63.10 ▲ 0.6%
- Redfin Corp (RDFN): $9.02 ▲ 0.4%
- Lennar Corp (LEN): $107.25 ▲ 0.5%
- D.R. Horton (DHI): $124.00 ▲ 0.7%
- Equifax Inc. (EFX): $253.10 ▲ 0.4%
Summary: Homebuilder stocks continued to climb amid favorable sales data, while mortgage-related stocks remained relatively stable. The broader optimism about the spring housing season appears to be boosting confidence.
Loan Officer’s Perspective: Applying Today’s Insights
Here’s how to use today’s news to fuel your business:
- Prepare Clients for Volatile Rates: With Fed uncertainty, create educational content around locking vs. floating strategies.
- Partner with Growing Brokerages: Build relationships with tech-driven real estate offices like United Real Estate.
- Use Creative Financing: Offer flexible solutions to overcome low inventory and high home prices.
- Stay Agile with Bond Markets: Monitor Treasury moves daily and update clients immediately to maintain trust.
Want more daily strategies for success? Visit DailySuccessPlan.com to see how top-producing loan officers stay ahead!
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April 28, 2025
Housing Market News Update: April 28, 2025 – Home Sales, Mortgage Rates, and Affordability
Housing Market Sees Modest Gains as Mortgage Rates Remain Volatile
Read the full story → Axios – Housing Market Update
The housing market posted slight improvements in March 2025, with new data showing home sales ticking up as mortgage rates declined briefly. According to the latest reports, existing home sales rose modestly, while new construction demand showed resilience despite ongoing affordability challenges.
Supporting Context: The National Association of Realtors reported a 2% increase in home sales compared to February. However, sales volumes still lag significantly behind pre-pandemic averages. Median home prices remain historically high, suggesting that affordability constraints continue to sideline many first-time buyers. Mortgage rates hovered around 6.5% at the end of April, providing some relief but not enough to dramatically boost activity.
Expert Insight: Analysts emphasize that affordability remains the market’s key bottleneck. Loan officers can expect a “steady but strained” spring season, with buyers who are highly sensitive to even minor rate movements. Messaging around customized loan solutions, especially buydowns or ARMs, could be critical in helping clients act decisively.
Loan Officer Takeaway: Stay nimble. Focus your conversations on real affordability strategies, not just “rate watching.” Customized solutions and quick preapproval turnarounds will differentiate you this season.
Mortgage Rates Drop Slightly but Remain Choppy
Read the full story → Mortgage News Daily – Rate Trends
Mortgage rates slid marginally on April 25th, continuing a volatile pattern that’s persisted through much of 2025. Daily rate movement remains tightly linked to inflation reports and Federal Reserve commentary, making the mortgage landscape unpredictable for consumers and industry professionals alike.
Supporting Context: The average 30-year fixed rate stood at approximately 6.47%, a slight improvement from earlier in the month. However, rates continue to swing between 6.4% and 6.6% depending on economic news. Volatility stems from investor anxiety over mixed inflation signals and uncertainty around future Fed actions.
Expert Insight: Mortgage experts urge loan officers to coach borrowers on the importance of rate locks and preparedness. With short-term volatility high, and no clear downward trend, strategic advice is more valuable than ever. The “timing the market” mentality is less effective than building a solid mortgage readiness plan.
Loan Officer Takeaway: Position yourself as a strategist. Proactively offer lock-and-shop programs and stress the importance of credit optimization now to mitigate the risks of future rate spikes.
Homebuying Affordability Slightly Improved in March, Says MBA
Read the full story → Scotsman Guide – MBA Affordability Report
Homebuying became marginally more affordable in March, according to the Mortgage Bankers Association’s latest Purchase Applications Payment Index (PAPI). A combination of slightly lower rates and stable home prices contributed to improved affordability metrics.
Supporting Context: The national PAPI decreased by 1.2% from February to March, signaling a small improvement. This marks the first month-over-month affordability gain since late 2023. While gains are modest, they signal potential openings for sidelined buyers. However, affordability still lags well behind pre-pandemic levels, and wage growth remains a concern.
Expert Insight: While this news is encouraging, experts caution that broader market access remains a challenge. Loan officers who leverage affordability tools—such as down payment assistance programs, buydowns, and education on alternative loan products—can better serve underserved segments.
Loan Officer Takeaway: Celebrate the small wins. Use affordability gains as a springboard for outreach campaigns to first-time buyers and renters on the fence.
Real Estate-Related Stock Performance (as of April 26, 2025)
- Rocket Companies (RKT): $12.37 ▲ 0.4%
- UWM Holdings (UWMC): $4.60 ▼ 0.3%
- Zillow Group (ZG): $62.89 ▲ 0.1%
- Redfin Corp (RDFN): $8.98 ▼ 0.4%
- Lennar Corp (LEN): $106.72 ▲ 0.6%
- D.R. Horton (DHI): $123.10 ▲ 0.4%
- Equifax Inc. (EFX): $252.04 ▲ 0.2%
Stock Summary: Real estate-related stocks showed mild gains following the uptick in home sales and slight rate improvements. Builder stocks, in particular, reflected optimism as affordability slightly improved and buyer sentiment edged upward.
Loan Officer’s Perspective: Turn Headlines into Conversations
April’s mortgage news offers a clear theme: cautious optimism. Loan officers can leverage this environment by:
- Updating preapproval workflows to emphasize speed and flexibility.
- Doubling down on lock-and-shop conversations.
- Educating buyers about small affordability gains to reignite dormant leads.
- Offering clear strategies, not predictions, when discussing rates.
Want help creating custom marketing campaigns that match today’s trends? Explore our Coaching Resources for templates, call scripts, and live training sessions.
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April 25, 2025
Mortgage Market Update: New Home Sales Surge, Rates Dip, and Industry Shake-Ups (April 2025)
New Home Sales Experience ‘Surprising’ Boost
Read the full story →
Real Estate News
In March 2025, U.S. new single-family home sales surged by 7.4% to a seasonally adjusted annual rate of 724,000 units, marking the highest level since September 2024. This unexpected uptick was driven by a temporary decline in mortgage rates to 6.65% and a focus on smaller, more affordable homes. The median new home price dropped 7.5% year-over-year to $403,600, indicating a shift towards cost-effective housing options.
Regionally, the South led the charge, accounting for about two-thirds of the sales. Inventory levels also rose to 503,000 units, the highest since November 2007, providing more options for prospective buyers. However, the economic outlook remains uncertain due to fluctuating trade policies and rising construction costs.
Loan Officer Takeaway: The surge in new home sales presents an opportunity to collaborate with builders focusing on affordable housing. Highlighting financing options for smaller homes can attract budget-conscious buyers.
Mortgage Rates Continue Lower
Read the full story →
Mortgage News Daily
As of April 24, 2025, the average 30-year fixed mortgage rate decreased slightly to 6.92%, continuing a gradual downward trend. This decline is attributed to improved bond market conditions and reduced volatility. Despite the decrease, rates remain elevated compared to historical lows, and affordability challenges persist for many buyers.
The bond market’s stabilization has provided some relief, but economic uncertainties, including inflation and trade policies, continue to influence rate movements. Experts suggest that while rates may fluctuate, significant decreases are unlikely in the near term.
Loan Officer Takeaway: Use this period of rate stabilization to educate clients on the benefits of locking in rates and explore refinancing options for those who secured higher rates previously.
Fired First American CEO to Receive $18.6M Payout
Read the full story →
Scotsman Guide
Ken DeGiorgio, the former CEO of First American Financial Corp., is set to receive a severance package totaling $18.6 million following his termination. The payout includes $7.24 million in severance pay, approximately $9.1 million in accelerated vesting of restricted stock, and around $2.2 million from a supplemental executive retirement plan. DeGiorgio was dismissed after an alleged assault incident aboard a Caribbean cruise ship.
Despite the circumstances, the termination was classified as “without cause,” making DeGiorgio eligible for the severance package. This situation highlights the complexities and legal considerations companies face when handling executive misconduct.
Loan Officer Takeaway: Stay informed about industry leadership changes, as they can impact company policies and market dynamics. Understanding these shifts can help in anticipating changes in partnerships and client relations.
Real Estate-Related Stock Performance (as of April 25, 2025)
- Rocket Companies (RKT): $12.37 ▲ 0.4%
- UWM Holdings (UWMC): $4.60 ▼ 0.3%
- Zillow Group (ZG): $62.89 ▲ 0.1%
- Redfin Corp (RDFN): $8.98 ▼ 0.4%
- Lennar Corp (LEN): $106.72 ▲ 0.6%
- D.R. Horton (DHI): $123.10 ▲ 0.4%
- Equifax Inc. (EFX): $252.04 ▲ 0.2%
Builder stocks experienced modest gains following the positive new home sales report, while mortgage lenders showed mixed performance amid rate fluctuations. The market remains sensitive to economic indicators and policy changes.
Loan Officer’s Perspective: Friday – Work on Your Business
As the week concludes, focus on strategies to enhance your business:
- Collaborate with Builders: Engage with builders targeting the affordable housing market to offer tailored financing solutions.
- Educate Clients: Provide insights on the current rate environment and the benefits of rate locks or refinancing.
- Monitor Industry Changes: Stay updated on leadership shifts within key industry players to anticipate potential impacts on your operations.
For structured growth strategies, visit DailySuccessPlan.com.
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April 24, 2025
testing incoming
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***SPAM*** Fwd: Rates – The Next Fed Rate Move
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Top Real Estate & Mortgage Headlines – Thursday, April 24, 2025
The Fed’s Next Move Is Approaching—Here’s What It Could Mean for Mortgage Rates
With inflation still above target and job growth holding firm, the Federal Reserve is expected to hold interest rates steady at its next meeting, despite early-year hopes of multiple cuts. According to Investopedia, mortgage rates may remain elevated for longer than originally anticipated.
What to expect:
- Markets have largely priced out any Fed rate cuts until late Q3 or Q4 of 2025.
- Mortgage rates remain stuck between 6.7%–6.8%, with little downward movement unless the Fed turns dovish or the bond market rallies.
- Even if the Fed cuts rates later this year, mortgage rates may only drop modestly, as they are more closely tied to the 10-year Treasury and market inflation expectations.
Loan Officer Insight: The key message for clients? Don’t wait for the Fed to save the day. This is a strategy market—not a rate market. ARMs, buydowns, and smart budgeting are more valuable than chasing a perfect rate.
Delinquencies on the Rise for FHA and VA Borrowers
A new report from the Mortgage Bankers Association finds that serious mortgage delinquencies are increasing—particularly among FHA and VA borrowers, many of whom are first-time or lower-income buyers.
Key stats:
- FHA serious delinquencies rose 70 basis points over the past year.
- VA loans saw a 57 basis point jump, while conventional loans remained mostly stable.
- These loans now account for the highest default rates in the industry, a reversal from just two years ago.
What’s driving this trend?
- Inflation has outpaced wage growth for many working-class households.
- Rising insurance, taxes, and utility costs are pressuring monthly budgets.
- Borrowers who purchased at the peak of prices and rates in 2022–2023 have less financial wiggle room.
For LOs: Stay proactive with early borrower education and risk management. Reach out to borrowers in your servicing book, and help those struggling explore forbearance, modification, or restructuring options before they fall behind.
Refinance Rates Steady—But a Window of Opportunity May Be Opening
Despite rate volatility earlier this year, refinance rates have held steady, with small movements reflecting broader uncertainty in rate direction.
As of midweek:
- 30-year fixed refinance: 6.61%
- 15-year fixed refinance: 5.89%
- FHA/VA refinance options: hovering 6.45%–6.75%
What’s changing:
- There’s a modest increase in refinance applications, especially from borrowers who closed in late 2022–early 2023 when rates spiked past 7.5%.
- Homeowners looking to cash out or restructure debt are leading the trend.
- With HELOC rates still high, cash-out refis are regaining appeal for debt consolidation and home improvement financing.
Loan Officer Action: Pull past client data from Q4 2022–Q2 2023 and re-run scenarios. There’s likely a segment of your closed book that could benefit now—or in the next 30–60 days.
Home Construction Still Choppy Despite Strong Building Permit Activity
According to new data from the U.S. Census Bureau, March housing starts fell 14.7% month-over-month, despite a steady stream of building permits. It’s the latest sign of volatility in residential construction, even as builders express optimism.
Details:
- Single-family permits were up 1.5%, indicating potential growth in coming months.
- However, actual housing starts dropped sharply, reflecting labor shortages, regulatory delays, and continued materials costs.
- Builders remain focused on entry-level and affordable homes, but financing and zoning challenges are slowing shovel-ready project launches.
What to Watch: Builders are willing—but the process is slow. Expect continued inventory tightness, with new construction coming online slower than demand growth, particularly in suburban markets.
Real Estate-Related Stock Performance (as of April 24, 2025)
- Rocket Companies (RKT): $12.41 ▲ 0.8%
- UWM Holdings (UWMC): $4.62 ▲ 1.3%
- Zillow Group (ZG): $63.08 ▼ 0.2%
- Redfin Corp (RDFN): $9.02 ▲ 0.6%
- Lennar Corp (LEN): $106.14 ▼ 0.5%
- D.R. Horton (DHI): $122.33 ▲ 0.4%
- Equifax Inc. (EFX): $251.98 ▼ 0.7%
Builder and lender stocks remain active with refinance activity and housing start data fueling targeted investor moves.
Loan Officer’s Perspective: Thursday – Preapproved and Looking
It’s Thursday, and today’s focus is reaching out to your preapproved borrowers who are actively shopping.
How to add value today:
- Fed messaging: “The Fed’s likely staying the course—let’s look at what that means for your lock options now.”
- New construction pipeline: “Builders are trying to add homes, but it’s slow. Let’s keep you ready for quick-moving inventory.”
- Refi reminders: “If you closed around the peak rate period, it might be time to re-evaluate—want me to run the numbers?”
Don’t let preapprovals go cold. Your voice matters more now than ever.
Want to follow a proven plan that brings in more apps and closings consistently?
Visit DailySuccessPlan.com to see how we help loan officers grow their business with discipline, focus, and daily momentum.
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April 23, 2025
Top Real Estate & Mortgage Headlines – Wednesday, April 23, 2025
Trump vs. Powell: What the Clash Means for Mortgage Rates and Market Stability
Former President Donald Trump is once again setting his sights on Federal Reserve Chair Jerome Powell, signaling that if re-elected, he may seek Powell’s removal or pressure the Fed to cut rates more aggressively. This public rebuke of Powell’s cautious stance on monetary policy has reignited debate over central bank independence—and it could have real implications for mortgage rates.
Here’s what’s happening:
- Trump has long criticized Powell for being too slow to cut interest rates, arguing that tighter monetary policy is hurting economic growth.
- The Fed is holding firm for now, prioritizing inflation control amid mixed signals in labor and spending data.
- Legal precedent makes firing Powell difficult, but Trump allies have floated aggressive tactics—similar to recent firings at the FTC—that could challenge Fed autonomy.
Implications for mortgage rates:
- If Powell were removed or replaced by a more dovish appointee, the Fed could begin rate cuts sooner—potentially putting downward pressure on mortgage rates.
- However, many economists caution that politicizing the Fed would spook markets, potentially leading to bond yield volatility that could negatively affect rates instead.
Wall Street remains split on how real this scenario is—but loan officers should take note. The Fed’s actions (or inaction) will shape lock strategies, refinance timing, and buyer urgency in the months ahead.
Florida’s Housing Market is Starting to Feel a Lot Like California
Florida is facing an inflection point in its housing market. According to new research from Cotality and commentary from economist Dr. Selma Hepp, the Sunshine State is showing signs of becoming “the next California.”
Key insights:
- Home prices have surged due to the pandemic-era migration boom, outpacing local incomes and creating affordability constraints.
- Rising insurance premiums, property taxes, and hurricane risk are weighing heavily on younger and middle-income residents.
- Baby boomers, many of whom are cash buyers, are driving competition, pushing many would-be first-time buyers to the sidelines.
Hepp notes that some residents are beginning to leave Florida—mirroring a trend that occurred in California a decade earlier when affordability hit a tipping point.
For LOs and agents in Florida: Be ready for longer buy cycles, affordability conversations, and a growing number of clients relocating out of state.
Meet the Sacramento Realtor Trusted by Professional Athletes
In a compelling feature from The Sacramento Bee, local Realtor Kevin Sellwood is spotlighted for his work helping NBA and NFL athletes find homes—including some of Sacramento’s most elite buyers.
What makes this story worth sharing:
- Sellwood doesn’t just sell luxury homes—he serves as a lifestyle consultant, helping high-profile athletes transition to a new city and community.
- Many of his clients are young, wealthy professionals who need discretion, speed, and concierge-level service.
- He’s known for non-traditional lead generation, including word-of-mouth within athletic circles and relationship-building with agents and trainers.
This piece is a great conversation starter with Realtors. It highlights the power of niche specialization, elite customer service, and the growing intersection between real estate and personal branding.
Loan Officer Takeaway: If your market includes affluent clients or athletes, align your process to match that level of service—and consider building agent partnerships that open doors to luxury segments.
Real Estate-Related Stock Performance (as of Wednesday, April 23, 2025)
- Zillow Group Inc (ZG): $62.73 ▲ 3.98%
- Redfin Corp (RDFN): $8.76 ▲ 6.44%
- Rocket Companies Inc (RKT): $12.34 ▲ 6.80%
- UWM Holdings Corporation (UWMC): $4.49 ▲ 1.81%
- Lennar Corp. (LEN): $107.92 ▲ 4.06%
- D.R. Horton Inc. (DHI): $124.96 ▲ 3.48%
Real estate and lending stocks are continuing a rally amid speculation that future Fed moves may be more accommodative—or at least less restrictive.
Loan Officer’s Perspective: Wednesday – Past Clients and Sphere of Influence
It’s Wednesday, which means it’s time to work your database and sphere.
Here’s how to lead with value using today’s news:
- Talk Powell vs. Trump: “There’s a lot of talk about pressure on the Fed—some are wondering what it means for rates. Want to hop on a quick call to talk refinance or buy timing?”
- Use the Sacramento story: Send the link to Realtors you want to connect with. “Cool story out of Sac—what niche are you carving out right now?”
- Mention Florida’s shift: If you’re licensed there, ask: “Seeing more clients thinking about leaving or downsizing? Let’s strategize around equity and what’s next.”
The mid-week rhythm is all about relationship-building and retention. Don’t let your warm list go cold.
Want to grow your pipeline and simplify your day with structure?
Visit DailySuccessPlan.com to learn how we help loan officers stay consistent, productive, and connected—regardless of market conditions.
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