Hey there,
The Fed cut rates this week.
Not a surprise.
But here’s what is surprising…
Mortgage rates actually went UP.
That’s not a typo.
And while the media will run wild with “rate cut = time to refinance,”
the truth is… it’s not that simple.
But — this is a moment of opportunity if you know how to use it.
👉 This week’s Saturday Strategy video breaks it down
Here’s the short version:
When the Fed moves, attention shifts back to real estate and mortgages.
That means your past clients — and your future clients — are hearing about “refinancing,” “rate cuts,” and “home affordability” nonstop.
But what they really need is context — and that’s where we, as their trusted lender–realtor team, come in.
💡 Here’s how top agents can use this week’s Fed move to win Q4:
✅ 1. Reconnect with Past Clients
Call or text homeowners you’ve sold homes to in the last 3 years.
Ask: “Have you been seeing the news about rates? Let’s talk about what it really means for your home value.”
Use this as a check-in — not a sales call — to stay top of mind.
✅ 2. Protect Your Clients from Bad Advice
Refinance solicitations will be everywhere.
Let your clients know you and I are monitoring the market together to ensure they make smart, strategic moves — not reactive ones.
✅ 3. Partner Up on Financial Conversations
Reach out to your favorite lenders (👋), financial advisors, or CPAs and start a “Strike Rate” conversation.
When we set proactive rate alerts, we’re not chasing deals — we’re protecting opportunities.
✅ 4. Use the Market Buzz
Your social media is about to get flooded with “rate cut” talk.
Use this to post educational, calming content — or share my Saturday Strategy video directly to position yourself as the voice of clarity and confidence.
The Fed made their move.
Now it’s time for us to make ours — together.
Control the narrative. Guide your database.
And set yourself up to finish Q4 strong while others are waiting to “see what happens.”
🎥 Watch the full breakdown
👉 Saturday Strategy: What the Fed Move Really Means for Your Clients
P.S. Next week, I’ll share how to make Power Gratitude Calls that can fill your pipeline before the holiday slowdown.
Let’s finish strong 💪
— Kevin Brierton
Your No Excuse Lender
Kevin Brierton
Branch Manager - Certified mortgage planning specialist - CLA
NMLS #599873
Scottsdale, AZ
CONNECT WITH ME
kevin@kevinbrierton.com
www.kevinbrierton.com
https://www.facebook.com/TheBriertonTeam
ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 2100 families with more than $600 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.
In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!
Copyright © 2025 Luminate Bank NMLS# 1281698. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeraccess.org | Privacy Policy - https://www.luminate.bank/privacy-policy | Member FDIC | Equal Housing Lender