Buyers Are Tired — But This Is Where the Smart Ones Double Down

We’re officially in the dog days of summer — and if we’re honest, most buyers are tired.

They’re tired of high payments.They’re tired of clickbait headlines.They’re tired of feeling like they “just missed it.”

But here’s the reality: this is exactly the time when smart buyers double down.

The Summer Slowdown Is Also the Summer Setup

Every year, late July and August bring a slowdown. But this year, that slowdown is meeting a bond market that’s already under pressure.

• The Fed paused again last week.

• Inflation data is softening.

• Friday’s job report showed signs of cooling.

• And mortgage-backed securities are showing signs of life.

We haven’t broken through yet, but we’re close. And if we do, it could open a brief but meaningful rate dip that makes today’s pre-approvals even stronger in a weekend offer.

Why Timing Is About Setup — Not Guesswork

The mistake most buyers make? Waiting for rates to drop before getting ready.

The buyers who win are the ones who are already:

✅ Fully underwritten

✅ Working with a strategy

✅ Watching the market with us

Because if (or when) the 10-Year dips below 4.00% and rates follow… you won’t have time to “start the process.” You’ll need to act.

And that’s what we’re doing with our strike rate clients — helping them get positioned before the window opens.

What We’re Using to Win Right Now

We’ve had multiple wins this summer using smart programs that work in any market:

• DSCR Loans for investors

• Self-Employed Bank Statement Loans

• Lender-Paid Buydowns to ease payment shock

• Down Payment Assistance — yes, still available and fast

  
  

All of these are closing in 15 days or less, and we’re using them to help clients stay aggressive while the rest of the market cools off.

Bottom Line

Yes, buyers are tired.But if you want to win in this market — this is when you lock in your edge.August is the setup. September could be the shift. Let’s be ready.