It’s August — and the Market’s Already Setting Up for a September Shift

We’re barely into August, but the tone of the market has already changed.

Last week’s data dropped a few hints — nothing dramatic, but enough to start shifting the foundation. Consumer spending is slowing, inflation continues to ease, and job growth came in lighter than expected.

Put it all together, and here’s what we’re seeing:

👉 The bond market is sniffing out a future rate cut — maybe not in August, but very possibly in September or October.

We’re seeing that reflected in the 10-Year Treasury, which is inching toward that key 4.00% support line. If it breaks below, mortgage rates are likely to follow — and that’s when buyers and homeowners will have a window of opportunity.

But here’s the catch: those windows don’t last long.

Short-Term Dips, Long-Term Wins

We’ve seen it over and over: rates improve for a few days, everyone gets excited, and then boom — a new report comes out and we’re right back up again.

That’s why we’re focused on strike rate planning — setting a clear number for each client and watching for a moment to lock.

It’s how we’ve been able to help buyers (and refi clients) capture wins even while the broader market feels stuck.

August Strategy: Be Early, Not Late

If you’re looking to buy, sell, or refinance before year-end, August is when you prep — not wait.

Because by the time rates actually drop, it’s already too late to start the process.The buyers who benefit will be the ones already underwritten, already in strategy, already watching.

We’ve got fast-closing programs, flexible options, and daily rate tracking for all our clients.

Let’s talk early — and be ready when the moment comes.