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Rate Debate
From D.C. to dirt lots — everyone’s got opinions on how to “fix” housing
Splits and Caps Daily: Action for Agents
June 23, 2025
📈 Market Move:
Land, Loans & Loudmouths
Alright, here’s the play-by-play:
Fed Governor Christopher Waller just dropped a not-so-subtle hint that July rate cuts are on the table. He called it a “good news rate cut” — aka, inflation’s under control, growth looks solid, so now they might finally ease up. TL;DR: “We could do this.”
But not everyone's patiently waiting. FHFA Director Bill Pulte said the Fed’s delay is “totally reckless” and even called for Powell’s resignation. Trump chimed in too, saying Powell’s the “WORST” and that he’d do a better job himself — because of course he did.
Meanwhile, Sen. Mike Lee wants to sell off chunks of federal land to fix housing affordability. His logic? The government’s sitting on 640 million acres — just slicing off a sliver could help young buyers finally launch into homeownership.
And in mortgage news: The MBA is fed up with FICO's monopoly-level pricing and is now pushing for a single credit report model to cut costs. Translation? More competition = cheaper closings.
Bottom Line: Rate cuts could be coming real soon, political pressure is heating up, and the housing market might literally expand into the wilderness. Stay strapped in.
🌟Quote of the Day:
"The most difficult thing is the decision to act, the rest is merely tenacity." — Amelia Earhart
📊🤔 Agent Poll Results
On 6/20, we asked: Which of these hits a little too close to home right now?
The results are in!
A) “Clients ghosting me like it’s a dating app.”: 33.3%
B) “Everyone’s pre-approved… until they’re not.”: 0%
C) “I keep refreshing MLS like it’s Netflix.”: 66.7%
D) “I’m one bad inspection away from losing it.”: 0%
Keep hustling!
🎉 Fun Fact of the Day:
Tues to Tango: Tuesday is the Best Day to List a Home. Homes listed on a Tuesday get more views and faster offers than any other day. Why? Because Monday’s chaos and Wednesday’s too late. Tuesday = Goldilocks zone.
📚 Book Recommendation:
“The Greatness Mindset” by Lewis Howes—You don’t just stumble into greatness. You build it. Block by block. Mindset by mindset. And Lewis Howes, former pro athlete turned podcast king, just gave you the blueprint.
The Greatness Mindset isn’t some fluffy motivational TikTok. It’s a practical guide to stop playing small, ditch the imposter syndrome, and start owning your story like the main character you are. Lewis breaks it down with clarity, compassion, and straight-up conviction.
Whether you're closing deals, building a brand, or just trying to survive the Monday morning mental battle — this book will slap you out of autopilot and remind you: You’re not just here to exist. You’re here to excel.
Read it if:
You’ve got big dreams but your inner critic’s louder than your inner hype man
You’re ready to stop surviving and start scaling (personally and professionally)
You want actionable mindset shifts, not just motivational memes
Bottom line: This book’s not about ego. It’s about execution. Let’s get it. 💪
The world rewards finishers, not starters.
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