Mondays Are for Mindset — and Market Prep

Mondays matter. They set the tone for the week — in business, in life, and in housing.

Today, the mortgage market opens in familiar territory.

Rates are still hovering in the same narrow band we’ve seen most of September, with the 10-Year Treasury hanging just above 4.05%.

Inflation pressure hasn’t eased, and while markets continue to look ahead to the Fed’s upcoming meeting, no one’s expecting a sudden breakthrough this week.

That may sound discouraging, but here’s the real takeaway: steady markets are a chance to prepare. The clients who succeed aren’t waiting for fireworks.

They’re making sure their files are underwritten, their strike rates are set, and their programs are structured.

Because when the window opens, it doesn’t last long — and those who are ready lock it in.

This week, the focus isn’t on chasing the perfect moment. It’s on building a mindset of readiness:

• Be disciplined. Respond quickly to document requests.

• Be strategic. Know the payment you’re comfortable with, not just the rate you hope for.

• Be patient. Markets move in bursts — the calm before the shift matters.

  
  

Mondays remind us: progress doesn’t come from waiting for the market to change. It comes from being prepared to move when it does.

Set the tone this week — mindset first, market-ready second.