))
Realtor Strategies for Falling Rates: How to Guide Clients in a Changing Market
Manage episode 507043707 series 3405483
Content provided by Mike Mills. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Mike Mills or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
Falling mortgage rates are reshaping the housing market—are you ready to guide your clients with confidence? In this episode, Mike Mills sits down with Steve Barton, EVP of Sales at Service First Mortgage, to break down what Fed rate cuts really mean for Realtors. Discover the strategies you need now to help buyers and sellers make smart moves in a shifting market.
Episode Overview
Realtor strategies for falling rates take center stage in this episode of The Texas Real Estate & Finance Podcast. Mike Mills and guest Steve Barton dive into how Fed policy, bond markets, and mortgage rates intersect—and why Realtors must understand the difference between Fed rate cuts and actual mortgage pricing.
Listeners will learn:
- Why emotions drive the market as much as economics.
- How buyer affordability shifts with even small drops in rates.
- Why sellers must rethink concessions vs. price reductions.
Realtors are asking: “How will Fed rate cuts affect mortgage rates in 2025?” This conversation unpacks that question, while also tackling inventory, inflation, and database management. If you’ve been waiting for clear, Realtor-focused insights on when to act—and how to guide clients through uncertainty—this episode gives you a playbook.
Key Takeaways
1. Fed Cuts ≠ Mortgage Rates
Steve explains why Fed rate cuts don’t always mean lower mortgage rates. Realtors must watch 10-year Treasury yields and market reactions to truly understand rate movement.
2. Affordability Shifts Fast
Even a half-point drop in rates can expand buyer power significantly. Realtors should prepare clients now so they’re ready to act when opportunities open.
3. Seller Strategy: Concessions Over Price Cuts
Mike and Steve emphasize that seller concessions often deliver greater immediate value than price drops—helping buyers cover closing costs, buy downs, or even months of no payments.
4. Database = Realtor Goldmine
A Realtor’s database isn’t just past clients—it’s friends, family, and community ties. Managing it properly creates recurring deals, referrals, and long-term wealth.
5. Prepare, Don’t Predict
Nobody can perfectly forecast rates. Realtors who prepare clients early, underwrite upfront, and educate consistently will win regardless of short-term rate swings.
Resources Mentioned in This Episode
- Podcast Website – Access past episodes and show updates – https://www.thetexasrealestateandfinancepodcast.com
- Mike’s Linktree – Mortgage tools, resources, and contact info – https://linktr.ee/mikemillsmortgage
- SFMC Home Lending – Steve Barton’s Page – Learn more about Steve’s role and connect with him – https://sfmc.com/loan-officer/stevebarton/
- Freddie Mac PMMS (Primary Mortgage Market Survey) – Track weekly mortgage rate trends – https://www.freddiemac.com/pmms
- Realtor.com Housing Market Data – Weekly inventory and market insights – https://www.realtor.com/research/
✅ If you found this episode valuable, don’t forget to subscribe, share, and leave a review so more Realtors can discover strategies for thriving in a changing market.
184 episodes
Share
