💌 LENDING LETTER

Your daily drip of mortgage madness, money moves, and lender hookups.

📅 September 9, 2025
💸 Rates are falling. Refis are rallying. Fed's still lurking.
🏡 Let’s break it down like a VA loan with no funding fee.

🔥 RATE CHECK: “The Great Dip-tease”

The 30-year fixed mortgage is finally showing some leg:

• 📉 6.29% (Mortgage News Daily daily survey)

• 📉 6.50% (Freddie Mac weekly — lowest since Oct 2024)

Why the drop?
👉 A weaker-than-expected jobs report + slowing inflation = traders betting the Fed might ease up.
👉 The 10-Year Treasury has slid to the 4.25% range, pushing mortgage rates down with it.

🧠 Translation: We’re not out of the woods, but we brought snacks and a compass.

🔁 REFI PARTY: “Dust Off That 2022 Rate Sheet”

Refinance apps are up 13% week-over-week, per MBA data.
Why? Because some folks are finally escaping 7.5% purgatory.

📊 Refis now make up nearly 47% of all mortgage activity, the highest since Oct 2024.

✅ Good time to consider a cash-out refi if:

• Your home appreciated 20–30% in the last 3 years 📈

• You’re carrying higher-interest debt (credit cards, student loans, etc.)

• You finally want to fix that 1970s bathroom with green carpet on the ceiling

🧱 BUILDER STOCKS: “Dancing While the Lumber Burns”

Homebuilder stocks like Lennar and D.R. Horton are mooning 🚀 on hopes that falling rates revive demand.

BUT...

🪵 Lumber futures just hit a 6-month low. That’s a red flag for construction volume and future housing supply.

📊 Analyst translation: Investors are bullish, but the supply chain says “brace yourself.”

🥊 FANNIE, FREDDIE & FED-UP POLITICIANS

In what sounds like a bar fight at a Brookings panel, Treasury Secretary Scott Bessent is clashing with FHFA head Bill Pulte over how to reform GSEs (Fannie & Freddie).

🎭 Two schools of thought:

• Bessent wants a market-based wind-down

• Pulte wants to reinvest in affordable housing mandates

👉 This matters because the outcome could reshape conforming loan limits, GSE-backed products, and investor DSCR guidelines over the next 12–24 months.

⚖️ Expect hearings, headlines, and nothing meaningful to change before 2026.

🤝 LENDER HOOKUP ZONE

Looking for loan money that gets you? We got you.

Here’s a taste of what we can connect you with 👇

🏘️ DSCR LOANS

Debt-Service Coverage Ratio loans use property income to qualify.
✅ No W2s.
✅ Great for STRs, BRRRRs, or any property spitting cash flow.
➡️ Perfect for LLC buyers and Airbnb empires.

🏦 CONVENTIONAL

Your classic 30- or 15-year fixed.
✅ Max loan size: $766,550 (or more in high-cost areas)
✅ 3–5% down options available
➡️ Great for long-term stability.

🧬 HYBRID LOANS

Think: ARM + fixed startup period.
✅ Lower intro rate
✅ Ideal if you plan to sell/refi within 5–10 years
➡️ Smart play for primary buyers who think 6.5% is just a phase.

🔨 FIX & FLIP

Fast, short-term capital.
✅ Close in days, not weeks
✅ Up to 90% LTC / 75% ARV
➡️ Your best friend if you’re turning that shag carpeted horror into a $120k profit.

🎯 Want lender intros? Fill out our 60-second form and we’ll match you with the perfect DSCR/conventional/fix-and-flip plug based on your goals.

🧠 TL;DR (Too Lazy, Didn’t Lock)

💬 Sign-Off:

Remember:
👉 A good rate today is tomorrow’s humblebrag.
👉 Marry the house. Flirt with the loan.
👉 Lock it down before Jerome Powell changes the vibe again.