Realtor strategies falling rates are more important than ever in 2025. If you’re asking, “How will Fed rate cuts affect mortgage rates — and what should I tell my clients?” this episode breaks it down.

On The Texas Real Estate & Finance Podcast, host Mike Mills talks with mortgage executive Steve Barton about the real impact of falling rates on affordability, housing inventory, and client behavior. You’ll learn how Fed decisions, inflation, and the bond market connect — and more importantly, how Realtors can use this moment to guide buyers and sellers with confidence.

🔑 What You’ll Learn in This Episode

Mortgage Rate Insights – How Fed cuts, inflation, and bond markets shape mortgage trends.

Realtor Action Steps – Strategies to help clients act before prices rise in 2025.

Buyer & Seller Behavior – Why waiting for “perfect rates” could cost clients more.

Database Goldmine – Why your CRM may be the most valuable tool you’re ignoring.

AI Tools for Realtors – Simple ways to use AI to educate clients and save time.

🕒 Episode Timestamps

00:00 – Fed Cuts vs. Mortgage Rates Explained
02:36 – How Falling Rates Shift Buyer Power
06:17 – Job Market, Inflation & Fed Decisions
10:44 – The Housing Market’s Next Turning Point
12:08 – Money Supply, Inflation & Home Values
16:44 – When a Refinance Makes Sense
20:46 – Realtor Advice: Talking to Past Clients
24:38 – Coaching Agents on Market Urgency
29:47 – Pricing Homes vs. Seller Concessions
35:12 – Using AI Tools to Educate Sellers
38:44 – Creative Financing & Rate Buydowns
40:05 – Database Mastery: Realtors’ Hidden Goldmine
46:55 – Building Long-Term Wealth Through Referrals
50:16 – Mortgage Rate Forecast: Next 12 Months
53:34 – Fed Politics, Powell, and What’s Next
57:43 – Affordable Housing & Realtor Opportunities
1:04:03 – Why AI is a Realtor’s Time Multiplier

If this conversation gave you new Realtor strategies for falling rates, tap LIKE and SUBSCRIBE for more housing market insights. Comment your biggest takeaway below — and share this episode with a colleague who wants to better guide clients in 2025.

📌 Resources & Links

• Podcast Website – Access all past episodes: https://www.thetexasrealestateandfinancepodcast.com/

• Mike Mills Mortgage Tools – Calculators, guides & resources: https://linktr.ee/mikemillsmortgage

• Service First Mortgage – Learn more about lending solutions: https://www.sfmc.com/

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