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Hammer Time?
From price cuts to cautious hope — Q4 might be the turning point if rates keep sliding
Splits and Caps Daily: Action for Agents
September 17, 2025
📈 Market Move:
Builder Bets
Builder vibes are still in the gutter (NAHB confidence stuck at 32–33, lowest in 3 years), but there’s a plot twist: mortgage rates are sliding. A 30-year fixed dropped to 6.13% (down from 6.59% last month), and that tiny dip has builders whispering “maybe Q4 won’t suck.”
Here’s the reality: 39% of builders are slashing prices to move product, but future sales expectations just ticked up to 45 — the best since March. Translation: if the Fed cuts this week, the sidelines might get crowded with buyers again.
Northeast builders are the most optimistic (44). Out West? Not so much (26).
Bottom line: Builders are still nervous, but cheaper money could flip the script fast.
🌟Quote of the Day:
“Courage is grace under pressure.” — Ernest Hemingway
⚡ Quick Win:
Micro-Upgrade – Spend $20 today to make your daily routine slightly better (better mouse, new notebook, nicer coffee). Tiny upgrades → big lifestyle ROI.
🎉 Fun Fact of the Day:
Elevation Location: 🏝️ There’s a Florida community built entirely on stilts over the water called Stiltsville. Technically, every home is “waterfront.”
📚 Resource Recommendation:
Most agents know they should post on social media. Few actually do it consistently. Why? Because making content every day feels like running a marathon in flip-flops — exhausting, awkward, and mostly blisters.
Enter Coffee & Contracts: a plug-and-play marketing kit built specifically for real estate agents. Think of it like a meal-prep service, but instead of chicken and broccoli, you get ready-to-post templates, captions, graphics, and strategies.
✅ Daily social media posts → done.
✅ Marketing ideas that don’t sound like a used car ad → done.
✅ Time saved so you can actually sell houses instead of staring at Canva → done.
It’s the cheat code for agents who want a pro marketing presence without burning 6 hours a day “figuring out what to post.”
If content is king, Coffee & Contracts is the castle you rent until you build your own kingdom.
💡 Pro tip: Use Code: splits15 and you’ll snag $15 off your first month. Basically free money. Don’t overthink it.
Another brick laid. The wall’s coming together.
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