The Fed's Plan to Cut Interest Rates Three Times Will Transform the Mortgage Market - 8/11/25 Monday Market Update

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The Fed has announced plans to cut interest rates at least three times over the next three Fed meetings, which is great news for the mortgage market even though rates aren't directly tied to Fed rates. As we approach mid-August, it's crucial to review your goals, understand your business metrics, and begin planning for 2026 since real estate operates on a 10-month business cycle.

Listen now and be sure to tune in next Monday for a deep dive!

Reach out if you need any goal-setting or business planning materials. Until next week, go sell something!

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Episode Transcript

Speaker 1 (00:02):
it's Monday, August 11th, and this is your Monday
market update.
With Nikki still out and about,I'll go ahead and share my
screen and we'll get this going.

Speaker 2 (00:17):
Good morning everyone , happy Monday.
I am on week three of my roadtrip up and down the west coast
of the US and enjoyingeverything thatI can about the
national parks and hiking anddoing a lot of fun stuff.
So I thought I would sendanother market update via video.
However, next week I will belive and in person as we finish
up our road trip this week.

(00:38):
The big news this week is comingout of the Fed, so they are
finally seeing the need to startcutting those interest rates.
So there's been a lot ofpressure, like I had talked
about, about cutting interestrates by the end of the year.
Now they're putting morepressure and more pressure on
the Fed and the Fed is saying,okay, we not only need to cut
the interest rates once thisyear, but not twice, but at

(00:58):
least three times over the nextthree Fed meetings.
So that could be great news forthe mortgage market.
As a reminder, the Fed ratedoes not determine the mortgage
interest rate.
However, it does affect the10-year treasury bond, which is
tied to mortgage interest rates.
So as we see the Fed interestrate go down, we generally see
mortgage interest rates go downas well.
Other than that, everything ispretty status quo, from an

(01:21):
application standpoint and froman interest rate standpoint.
We are sitting in the mid-sixesand everything is looking great
.
We'll see you guys next week.

Speaker 1 (01:30):
All right.
Well, that is some great news.
I know everyone's been waitingagents and buyers and sellers.
So good news coming.
And I definitely encourage youto tune in next week because I
know Nikki will do be doing moreof a deep dive into what's
coming potentially timeline onthe first, second and potential

(01:53):
third interest rate cut.
So that's fantastic.
And what I was preparing fortoday and wanted to talk about
is, even though we're still insummer, you know it's almost
mid-August.
Hear that again, it's almostmid-August.
So, first and foremost, whereare you at on your goals?

(02:14):
I always love to do a mid-monthcheck-in, which is coming up on
the 15th, so put it on yourcalendar and give yourself 10
minutes, 20 minutes, a half hourjust to review the first part
of the year and the first partof August in particular.
And with that said, I know alot of people travel or do

(02:35):
different things to wrap up thesummer before school starts or
just jumping into fall, and Iencourage you to look at your
business and work on it, whetheryou're traveling.
You can also do some businessplanning and if you need
business planning materials,reach out to me.
I'm happy to get you a fewdifferent versions of a

(02:58):
goal-setting workshop that I doevery fall, late fall, early
winter, just to get you preparedfor next year.
But look at and know yournumbers.
I saw another agent who's ahigh producer in our area here
in the Minneapolis Minnesotaarea, and he talked about
knowing your numbers and Icouldn't agree more and I, when

(03:20):
I was at the height of myproduction, I mean I knew how
many people I was dialing, howmany people answered that I
dialed and of the ones thatanswered, how many appointments
I set.
And of the appointments I set,how many I held.
And of the appointments I held,how many I signed.
And of the people I signed, howmany I sold and got to the

(03:42):
finish line.
The more you know, the betteryou can plan.
I know a lot of agents aren'tthat particular or go that deep,
but even just looking back atthe beginning and the first part
of the year, where are you aton goal?
Where does your business comefrom?
If you're not to goal, or whereyou want to be to meet or

(04:02):
exceed your goals, what are youdoing in order to double down
and get there?
There's so many different waysthat you can do this business
and you can find people to helpand the bottom line is it's a
relationship, business andconversations equal currency.
So where are you havingconversations with who I know

(04:24):
I've talked about before andit's a chapter in my ebook fall
in love with sales.
Do not be a secret salesperson.
Do not sit back and wait foryour phone to ring.
You'll want to get out thereand have authentic conversations
.
It doesn't have to be icky,salesy heavy and you do want to
go out and help people, becauseif there is someone out there

(04:44):
that needs an agent, whyshouldn't it be you?
So, as you're traveling andwrapping up your summer or just
looking at the fall and startingto plan for 2026, look at your
business where it's come from,know your numbers and start your
goal setting now.

(05:05):
Start looking ahead andforeshadowing and forecasting to
2026.
Because an agent, a real estateagent's business, is really a
12 or, excuse me, a 10 monthbusiness, not a 12 month.
By the end of October, which isright around the corner, if you
think about it, that's not toofar away.

(05:27):
About two and a half monthsaway, your 2025 will pretty much
be wrapping up, unless you havea active buyer you're working
with and you can put undercontract and close yet this year
, or you get a cash buyer, whichhas happened more than once,
and you want to look at what'sactually in the pipeline.

(05:47):
So starting to think about 2026is not all that far off if you
think about it, because,especially by the end of October
into November, your 2025numbers are wrapped up and
that's it.
So then you're going to startplanning and things are going to

(06:08):
start closing in 2026.
So what does that look like foryou?
Think about that and, of course, if you need any materials, if
you need any help, think aboutyour three pillars.
I know I have the GPS, whereyou have two to three different
ways and places that you getyour business from, or at least
your focus is going to come from.

(06:29):
Is that social media?
Is it open houses?
Is it networking, running a B&Igroup, volunteering?
I mean, there's so manydifferent ways that people do
this.
Some people just have events.
So if you're having, as Imentioned last week, a fall or
winter event, either a holidayparty or a pumpkin patch or

(06:50):
Thanksgiving or some type ofclient appreciation party, have
you started booking on that?
Is that one of your pillars?
Because that, from here on out,you can be doing all of your
marketing and your reach outs,to check in with all of your
past clients, all of your sphereof influence, five to 10 people

(07:11):
a day, and you could be wrappedup by the end of September.
If you think about that, if youhave 250 to 500 people in your
database, you could be calling,texting, emailing, facebooking,
messaging, whatever it is, butyou'll want to be reaching out
to those people.
It's a great reason becauseyou're coming with something of

(07:31):
value.
You want to invite them to anevent.
You want to appreciate them andshow them how much they mean to
you and invite them to theseevents.
That can start today and thatcan be your whole marketing for
the next couple months.
You have the event and then youhave another month of wrap up,

(07:52):
thanking people for coming.
If you miss them I missed you atthe event let's connect soon.
I would love to you know, hearabout how you're doing.
I mean, this can go on and onand on.
We complicate it, we make itway too hard.
It's not that hard.
It's just going and havingconversations, building
relationships, coming fromcontribution, being

(08:16):
heart-centered and in it for theright reason, finding out how
you can serve and help others,and the more you do that, the
more your business will flourish, I promise you so.
Look, nikki and I are up if youneed anything at all.
Sorry, I don't know why I can'ttalk today.
I'll do better next week, butuntil then, go sell something

(08:38):
and, of course, let us know howwe can be helping Make it a good
one.