Mondays Are for Momentum — Not Waiting

Mondays set the tone. And in housing and finance, the start of the week is when hesitation and momentum separate the watchers from the movers.

This morning, the bond market is steady. The 10-Year Treasury is hovering near last week’s levels, and mortgage rates remain in their familiar range. No fireworks. No sudden shifts. On the surface, it looks like “nothing is happening.”

But that’s how opportunities work in this market. They don’t announce themselves. They show up quietly, sometimes for just a day or two, and then they’re gone. The buyers and homeowners who benefit are the ones who already had a plan — and already had their file ready.

We’ve seen it again and again in 2025:

• Short dips of 0.25% that vanished overnight

• Small moves in the Treasury that opened a window for two days, then shut

• Clients who saved thousands because they were ready before the headlines caught up

  
  

Waiting for a perfect rate or a headline announcement is risky. Mondays remind us that momentum matters more than prediction.

This week, the market will give us data, chatter, and maybe even a surprise. The real question is: will you be ready to act when the opportunity comes?

Mondays are for momentum. Let’s set the tone now.