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Relief or Ruse?
The Fed’s scissors might snip mortgage rates, but confidence still needs stitching
Splits and Caps Daily: Action for Agents
September 16, 2025
📈 Market Move:
Price Perception
The Fed is about to pull the lever on a rate cut this week—most expect 25 bps, maybe 50 if they’re feeling spicy. Mortgage rates already dipped to 6.25% (down from 6.59% last month), but here’s the kicker:
Perception problem: 75% of buyers think today’s rates are “crazy high” … even though they’re actually below the 50-year average.
Job market drag: Weak employment could scare off buyers in the short term, but historically, falling rates eventually win the tug-of-war. Housing usually rebounds faster than the overall economy.
Builders’ boost: Lower rates could soften the affordability crunch, but supply chain headaches are still keeping builders in check.
👀 Translation: Rate cuts won’t flip the housing switch overnight. Demand may dip before it rips, but if the Fed keeps cutting, sales activity should come back swinging.
🌟Quote of the Day:
“The fool doth think he is wise, but the wise man knows himself to be a fool.” — William Shakespeare
⚡ Quick Win:
Swap Scroll for Stroll – Next time you catch yourself doomscrolling, go for a 10-minute walk. It clears your head and gets you unstuck.
🎉 Fun Fact of the Day:
Market Monument: 🔔 The Leaning Tower of Pisa was originally a church bell tower. Real estate mistake turned global tourist attraction.
📚 Book Recommendation:
“The Four Disciplines of Execution” by Chris McChesney, Sean Covey & Jim Huling — The Four Disciplines of Execution by Chris McChesney, Sean Covey & Jim Huling
This book answers the question every ambitious person secretly asks: “Why do I set big goals and then… not do them?”
The authors basically say: the problem isn’t ambition, it’s execution. You don’t need more ideas — you need a system to actually finish what you start. Their 4-step playbook is simple but brutal:
Focus on the wildly important.
Act on lead measures (not vanity metrics).
Keep a scoreboard.
Create a cadence of accountability.
Sounds boring? Good. Execution isn’t sexy — but it’s the difference between talking about success and cashing success checks.
👊 If you’re an agent juggling 47 “urgent” things, this book will force you to pick the one thing that actually moves the needle… and then give you the tools to stay on it until it’s done.
Another brick laid. The wall’s coming together.
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