Mortgage rates have dipped to their lowest level of 2025 as the Fed is poised to cut rates, creating a rare window for buyers and refinancers. But a rate cut doesn’t guarantee lower mortgage rates—last year’s similar cut led to a quick rebound when stronger economic data surfaced. With a weakening job market, slipping consumer confidence, and homes taking longer to sell, the next move for rates will depend on how the economic data unfolds.

We break down the August jobs report, where slowing job growth and rising unemployment sent mortgage rates tumbling to their lowest point of 2025. With the Fed poised to cut rates in September, buyers and agents alike are staring at a rare window of opportunity. Plus, we explore Gen Z’s “Great Lock In” trend — and how channeling that same focus could set them up to unlock homeownership in 2026.

Buy Now, Pay Later accounts are becoming silent deal-killers for buyers. Fed rate cuts? Don’t be fooled—history shows mortgage rates often tick higher right after, making “waiting” a costly mistake. And with a Fed Governor under fire for mortgage fraud, the reminder is clear: honesty isn’t optional—it’s the only way to keep deals alive.

Mortgage rates have dropped to their lowest levels in nearly a year, sparking new energy in the market. The shift comes as anticipation builds for a possible half-percent Fed rate cut in September, with markets already moving on the rumor. If the trend continues, buyers can expect improved affordability, more refinancing opportunities, and stronger competition for homes.

A new law finally kills off those annoying trigger leads that flood buyers with spam calls, Trump’s rumored Fannie & Freddie IPO could either drop rates or shake up the market, and I’ve discovered a loan program that lets asset-rich, income-light buyers finally qualify.

Massive job revisions just rocked the July employment report, with over 250,000 jobs erased from May and June combined. The result? Mortgage rates dropped and markets now see a September Fed rate cut as increasingly likely.

I'm de-mystifying the real reason mortgage rates are still high—the spread between the 10-year Treasury and 30-year mortgage rates—and why that gap matters more than the Fed. I also reflected on the legacy of Hulk Hogan and what I've learned from his larger-than-life personality. Plus, don't miss your early shot at Rebel 2026 VIP tickets (Aug 5) and the Big Summer Bash on Aug 12.

Inflation heated up in June, with tariffs pushing prices higher and keeping the Fed from cutting rates anytime soon. Even with Trump calling for massive rate cuts, mortgage rates aren’t likely to drop quickly—and we may be stuck in a “higher for longer” environment. The bright spot? Creative programs like Buy Before You Sell are helping buyers stay competitive, even in this tough market.

Fannie Mae and Freddie Mac now accept VantageScore 4.0, giving lenders a real alternative to FICO. Only 1.1M first-time buyers purchased homes in 2024—the lowest since 1989. Rumors of Powell's resignation are swirling, but a premature exit could shake market stability.