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4 ways to improve your rate without waiting for the Fed

Email Campaigns
Email Campaigns

4 ways to improve your rate without waiting for the Fed

Introduction

While rates are still high, the opportunity is hiding in plain sight: better strategy, not better timing.

The truth is, most consumers are leaving money on the table—simply because they haven’t been told what’s possible. As their agent, you can change that. You should change that.

According to Realtor.com, just shopping lenders could lower a rate by 0.86%. That’s real leverage—and it’s in your hands.

Use this email to educate, empower, and move buyers off the sidelines with four proven rate strategies that work right now.

How to Execute

Step 1

Copy Subject Line and Message to CRM

Personalize postcard using:
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Canva Template

4 ways to improve your rate without waiting for the Fed

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The Fed held rates steady last week—and penciled in two cuts later this year.

While—yes—we’re still in a high rate environment, there are levers buyers can pull that make a real difference.

Here are 4 rate strategies that are working in today’s market:

  1. Shop around: According to Realtor.com, buyers who compared lenders shaved 0.86% off their rate. That’s thousands in savings, just for making a few extra calls.
  2. Improve credit score: Raising it into the “very good” range can lower a rate by around 0.22%, based on current lender pricing models and data from Fannie Mae and the Consumer Financial Protection Bureau.
  3. Increase your down payment: Even a modest bump (say, from 10% to 15%) can reduce your rate—and eliminate PMI. 
  4. Consider a temporary buydown: In some cases, sellers or builders will cover a 2-1 buydown. That means a 2% lower rate the first year, 1% the second—easing you into the full rate. 


None of these are magic. They all require effort, tradeoffs, or timing. But they work.


If you're watching the market closely, I hope this is helpful.

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Step 2

Transferring Email Content to CRM

Send

  1. Copy Subject: Highlight and copy the subject line from your email draft.
  2. Paste Subject: Open the email blast app and paste it into the subject line field.
  3. Copy Email Content: Return to your draft, copy the email content.
  4. Paste Content: Paste it in the message body of the email blast app.
  5. Review and Send: Check for accuracy, then schedule or send the email.

Target Audience
Prospects
Step 1

Record the Video

Show Flow
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Hook
Audio Transcription of Show Flow
AI-generated representation of the intended sound flow.
Step 2

Customize Template

Canva Template
Canva Template
Step 3

Post Your Video

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Video Walkthrough

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