Mortgage Update - September 8th, 2025
The housing market is finally stepping into a sweet spot — inventory is building, interest rates are easing, and for the first time in a while, it feels like the wind is at our backs. This Fall and Winter are shaping up to bring the kind of momentum we’ve been waiting for.
Remember, last year rates dipped only to rocket right back up — a reminder that opportunities don’t last forever. Now’s the moment to move with urgency, seize the window, and make it happen. 💪💪
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Read time: ~4 minutes
Labor Market Stumbles, Mortgage Rates Celebrate
TL;DR: The August jobs report showed a cooling labor market — 22,000 non-farm jobs added, unemployment up to 4.3%, and a rare negative revision for June (the first since December 2020) — and markets immediately priced in easier Fed policy. Mortgage rates rallied into the release and kept falling on Friday, touching the strongest levels of 2025.
The trend in non-farm payrolls lately is not looking good 👇
Markets reacted swiftly. Treasury yields slid as investors digested the weaker-than-expected data, and mortgage lenders followed suit. Rates had already been trending lower heading into the release, but the report gave them another shove downward. By Friday afternoon, borrowers were staring at the lowest mortgage rates of 2025 — a welcome break after months of stubbornly high costs.
30 Year Fixed Mortgage Rates - Mortgage News Daily 1/1/25 to 9/5/25
The timing couldn’t be more critical. The Federal Reserve meets September 17, and Wall Street now views a rate cut as virtually guaranteed. Some analysts even suggest the Fed could deliver a larger-than-expected move if inflation data cooperates (currently 9% odds on Polymarket). For housing, that means a genuine shift: after a year defined by affordability pain, the combination of rising inventory and falling rates could finally give sidelined buyers a path back into the market.
For real estate agents, the message is simple: this is go time. Lower monthly payments are expanding the buyer pool, old pre-approvals need to be refreshed, and sellers may have some extra foot traffic at open houses. Refinancing opportunities are reappearing too, unlocking equity and freeing up move-up buyers. Even homeowners who felt “locked in” by a low-rate mortgage may rethink their options if affordability improves on the next purchase.
Key Takeaway: The August jobs report confirmed a cooling economy and easier policy path, and it handed housing its best rate backdrop of 2025 so far. Expect choppy but downward-leaning mortgage rates into the September 17 Fed meeting, with the CPI report likely setting the tone.
How Can Gen-Z “Lock In” on Homeownership?
If you’ve scrolled TikTok lately, you’ve probably heard about the “Great Lock In.” No, it’s not a new dystopian Netflix series — it’s Gen Z’s latest lifestyle trend. The idea? Go into hyper-focus mode, cut distractions, and grind on your goals for weeks or months at a time. Think of it as a productivity hibernation: less doomscrolling, more doing.
And what’s the top goal right now? Not buying houses. Gen Z is “locking in” on the stock market instead. With mortgage rates still hovering in the 6% range and home prices at record highs, many twenty-somethings are deciding that real estate can wait. Instead, they’re flooding into index funds, ETFs, and Robinhood apps like it’s the new crypto boom. Why pay 6.5% for a mortgage when you can pay $0 commission for a share of the S&P?
But here’s where it gets interesting: if Gen Z took that same “lock in” energy and pointed it at housing, they could set themselves up beautifully for 2026. Picture it: a six-month “Lock In” where instead of perfecting day trading skills, you:
Stack cash for a down payment (yes, avocado toast budgets finally matter).
Attack student loans or credit cards with the same intensity you reserve for hitting gym PRs.
Boost credit scores by treating them like a leaderboard — every point gets you closer to cheaper borrowing.
Research loan programs like FHA, VA, or first-time buyer assistance the way you binge fantasy football stats.
Why does this matter? Because the housing market is shifting. Rates are already sliding from their 2025 highs, inventory is thawing, and the Fed looks ready to make borrowing cheaper. By 2026, affordability may look a whole lot better. And those who “locked in” early will be positioned to pounce while their peers are still comparing meme stocks.
The Great Lock In isn’t just a vibe; it’s a strategy. And if you use it to prep for homeownership, you could turn 2026 into the year you finally “lock in” a house key.
Rebel 2026 - Speaker Reveal & Tickets Go On Sale 10/21
350 seats disappeared in 70 minutes, and those who waited missed out. That’s what happened at last year’s speaker reveal and we don’t want that happening to you this year.
What is Rebel?
Rebel is a one-day event where professional misfits, marketers, and entrepreneurs come together to burn the old playbook and build something better. Raw. Loud. Unlike anything this industry has seen.
Mark Your Calendars 📅 The big event will be on Thursday February 5th, 2026
But first…
RSVP for the LIVE Reveal
October 21 @ 12:00 PM EST | The First Transmission
We will share some big surprises including the secret speaker lineup
The unfiltered reason we built this event
Your first chance at tickets before the industry even blinks