Weekly Recap — Why Patience and Preparation Still Win

This week’s mortgage market was another reminder that success isn’t always about reacting fast — it’s about preparing well.

Rates stayed locked in a range, with the 10-Year Treasury hovering between 4.20–4.35%. Inflation concerns, fed partly by ongoing tariff headlines, kept bond yields elevated.

Meanwhile, markets continue to anticipate a September Fed cut, but that expectation is already baked in — meaning we’re unlikely to see big moves until actual data forces change.

For many, that can feel frustrating. No big swings, no dramatic opportunities. But the reality is that the wins right now come through preparation.

We’ve seen this summer how short-lived dips create meaningful opportunities. Clients who had their strike rate set, their documents submitted, and their strategy aligned were able to lock in quickly when a window opened. Others who hesitated or waited for “something better” often missed out.

As we close August, the lesson is clear: patience and preparation win. You don’t need to perfectly time the market — you need to be ready to act when the market offers even a small edge. Over time, those small edges add up to thousands in savings and stronger positions for buyers.

The market will move again. And when it does, those who are ready will capture it.