- Kreg & Nick - Weekly Mortgage Update
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Archive
Gold Stores Wealth. Real Estate Builds It.
Gold is at record highs and some investors are questioning whether it’s time to turn shiny profits into properties that actually build wealth. Meanwhile, Washington drama is heating up as the CFPB faces a potential shutdown—raising big questions for future homebuyers and lending rules. And just to keep the markets guessing, the latest CPI print is landing this Friday, adding even more uncertainty (and potential volatility) to the days ahead.

Tariff Wars Back - Rates Set to Plunge?! 🥊
Stocks tanked after Trump announced a 100% tariff on Chinese imports, sparking one of the biggest single-day rate improvements we’ve seen in weeks. 🏠📉 While mortgage rates dipped short-term, the long-term risk is inflation — which could reverse those gains fast. Meanwhile, the housing market is moving at its slowest pace since 2009, but that’s where tough agents sharpen their edge and seize new opportunities.

Property Tax Spike Hits New Build Buyers — Here’s How to Protect Yours.
Property taxes are back in the spotlight — and not in a good way. A new lawsuit and state-level proposals are exposing just how costly “underestimated” taxes can be for Ohio homeowners. Here’s what you need to know to protect yourself (and your clients) before the next bill hits.

What a Government Shutdown Could Mean for Rates & Closings ⚠️
A government shutdown is set to hit Tuesday, September 30th at 11:59 PM, and it could rattle housing in ways you don’t expect. Yet there’s a twist: history shows shutdowns can push mortgage rates lower as investors flee to safe assets. This week’s big jobs report on Friday is the next biggest indicator for where rates go next.

Powell Cuts Rates and Mortgage Rates Go Up...What?!
Powell cuts rates...but mortgage rates rise. What’s driving this upside-down market, and could 2025 repeat last year’s rate surge? Trump’s $100K visa fee is shaking up housing demand and wages—including right here in Central Ohio. Meanwhile, Nvidia is betting $5 billion on Intel’s Columbus-area mega-fab, setting the stage for more jobs, higher pay, and a tech boom in our backyard.

What Will Happen AFTER the Fed Cuts Rates?
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.

Labor Market Stumbles, Mortgage Rates Celebrate
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 Will Be The Death of Real Estate
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.

Calls for Big Rate Cut in September!
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.

The End of Trigger Leads Is Here — And That’s Great News for EVERYBODY
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.
