Mondays Are for Momentum — Even in a Slow Market

It’s Monday, and the market opens in familiar territory. Mortgage rates are holding steady, the 10-Year Treasury is bouncing near its recent range, and investors are still digesting the Fed’s cut from last week. On the surface, it feels quiet — but quiet doesn’t mean unimportant.

Here’s what we know:

• Mortgage rates didn’t drop sharply after the Fed’s cut. Instead, they held as Treasuries ticked back up.

• Inflation data hasn’t softened enough to give the bond market confidence to move lower.

• Buyers and homeowners remain cautious, waiting for “the big dip” that may not come.

So what do you do in a market that feels like it’s on pause? You use the pause as preparation.

The clients who win in markets like this aren’t sitting back.

They’re using the time to:

✅ Finalize underwriting so they’re ready to lock fast

✅ Structure loan options around payment comfort, not just the headline rate

✅ Explore programs that create flexibility — buydowns, DSCR, bank statement loans, and DPA, all closing in 15 days or less

Mondays aren’t about predicting where the week will go. They’re about setting momentum.

In housing and finance, momentum belongs to the prepared.

This week, the headlines may stay calm. But calm markets are when strong foundations get built.