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Shutdown Shakeup
The shutdown may be over, but between missing data and missing accountability, the real drama’s just starting
Splits and Caps Daily: Action for Agents
November 13, 2025
📈 Market Move:
D.C. Drama Deepens
Alright, buckle up — D.C. just hit “restart” after the longest government shutdown ever, but the damage might stick around longer than anyone wants to admit.
Here’s the quick and dirty:
Federal loan programs froze. Flood insurance lapsed. Consumer confidence tanked.
The Fed says it’s “not flying blind,” even though we literally lost key economic data (like CPI and jobs reports) that may never be recovered.
Treasury Secretary Scott Bessent basically told the Fed, “You broke housing, now fix it.”
Meanwhile, over at the FHFA (the crew behind Fannie and Freddie), it’s been a soap opera:
They’re close to approving FICO’s new 10T credit score — which could make mortgage lending more flexible.
The agency’s inspector general got the boot for calling out internal stonewalling.
And Fannie Mae just said, “You know what? Forget the 620 minimum credit score requirement.” That’s a big deal — more people can now qualify for mortgages… but it could also mean more risk in the system.
Elsewhere, the Consumer Financial Protection Bureau (CFPB) looks like it’s circling the drain. If the Fed’s running at a loss and can’t fund it, the CFPB might be out of money — and out of business — by early 2026.
So here’s the vibe:
✅ Shutdown over.
❌ Data gone.
⚖️ Regulation chaos.
🏠 And a housing market that’s apparently in “recession”… but maybe not if the Fed decides to play hero.
Big takeaway:
The lights are back on in Washington — but with key watchdogs fired, credit rules loosened, and the Fed flying half-blind, it feels less like “business as usual” and more like “hold onto your mortgage rate, it’s about to get weird.”
🌟Quote of the Day:
“Excellence is not a skill, it’s an attitude.” — Ralph Marston
⚡ Quick Win:
Referral Request: Text a happy client:
"I’m taking on a couple new clients. Know anyone who might need help buying or selling?"
Direct, casual, effective.
🎉 Fun Fact of the Day:
Living the High Life: 🏗️ The tallest residential building in the world has 131 floors. Central Park Tower in NYC — it sways up to 3 feet in high winds, so yeah… bring your Dramamine.
📚 Book Recommendation:
“The Mountain Is You” by Brianna Wiest — Alright, here’s the thing: most of the time we think the world is holding us back — bad market conditions, a rough boss, or the housing slump. But Brianna Wiest’s The Mountain Is You flips that on its head: the real obstacle? You.
This book is all about emotional self-sabotage — the habits, fears, and stories you tell yourself that quietly keep you from leveling up. Wiest breaks down how to turn those “mountains” into stepping stones. It’s not fluffy self-help; it’s like a strategy guide for your own brain.
If you’re feeling stuck — whether in life, business, or your next deal — read this. It’s the kind of book that makes you look in the mirror and say, “Ah… okay, so that’s the real bottleneck.” Then it gives you the tools to climb your own mountain.
Key takeaway: stop fighting the world. Start fighting yourself… strategically.
Every step counts — keep moving, keep winning.
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