Weekly Rate Snapshot
For too long potential home buyers have been pushed to the sidelines by elevated rates pricing them out of the market or keeping millions locked into their current homes when they are in need of an upgrade.
But that’s changing.
After the recent fed cuts mortgage rates have settled in the low 6% range for the first time in a long time. And with seller’s being willing to negotiate this is the best time in a long time for buyers to get into the market and take advantage before lower rates increase demand.
This is your opportunity to help them see that.
Below is a “done-for-you” email you can send to your database to reignite conversations around affordability and uncover active buyers.
Subject ideas:
“Rates dipped—how much home does that buy you now?”
“Quick math: your payment at today’s rate”
“Want a 5-something rate? Here’s how buyers are doing it.”
Body:
Hi [First Name],
For almost two years, 7%+ mortgage rates put a lot of plans on hold. That’s shifted.
We’re back in the low-6% range, which is the best affordability we’ve seen in nearly three years. That change moves the needle for real buyers, right now.
Here’s what the payment looks like on the same loan:
$450,000 at 6.13% ≈ $2,735/mo (P&I)
$450,000 at 7.50% ≈ $3,146/mo
Savings: ~$411/mo (about $5,000/year)!
And here’s the kicker: with seller-paid credits and smart negotiation, a lot of my clients are using buydowns to get payments in the mid–high 5% range.
If you’ve been waiting for the right moment, this might be it. When rates drop further, competition usually jumps, prices firm up, and negotiating power fades.
Want me to run your numbers?
Reply “run it” and I’ll show you what your payment looks like in the 5s and how to structure the credits to get there.
Bonus plays for agents (use everywhere this week)
IG Story / Poll:
“What monthly payment target would make a move feel right?
▢ <$2,500 ▢ $2,500–$3,000 ▢ $3,000–$3,500 ▢ >$3,500”Short reel hook:
“Rates slipped back into the 6s—and my buyers are landing 5-something payments with seller credits. Want the blueprint?”Feed post caption:
“Smart buyers are pairing today’s rate with seller-paid buydowns to get payments in the 5s. DM ‘5-plan’ and I’ll send the step-by-step.”Database text:
“Quick check—want me to show how buyers are hitting 5-something payments using seller credits? I can run your numbers today.”
Finish the year strong
The big three questions haven’t changed—Should I wait? Is it safe? Can I afford it?
The difference is the math looks better today than it did a few months ago. Use that to reopen stalled conversations and move warm leads forward.
If you want, I’ll customize the numbers and scripting for your list or farm area.