🏠 Treasury Yield Updates 5-Yr UST Yield: 3.743% 10-Yr UST Yield: 4.172% Why is this important? - Rates are still steady amid market uncertainty, volatility, and swings. It will be important to keep note of treasury swings as we notice home prices peaking in 2026. Long-term expense projections are important when comparing higher rates and lower prices vs higher prices and lower rates.  - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. - 📈 Industry Headlines • Investor Ban - Stalls : President Trump wants to stop large investors from buying up SFR’s at the same time U.S. Congress wants to create a new housing law. Congress has no interest in including the investor ban at the moment. • House Bills aimed at home affordability and construction times : Housing for the 21st Century Act passed on monday evening. Provisions are aimed at home affordability. 📘 What You Should Know (Opinion) We are headed for a nice period of stabilization barring any erratic moves by government in the near future. Homes will continue to appreciate though marginally, a slight increase in sales, though still constrained by higher mortgage rates and tight inventory.

Hey everyone — Joel is going LIVE tonight at 6PM inside the community. He’ll be: - Walking through real-world guidance for your real estate journey - Sharing insights from his experience - Answering any questions you have live (strategy, deals, mindset, next steps — all fair game) If you’re actively investing or trying to level up, this is one you don’t want to miss. 👉 Jump in live tonight and come ready with questions. See you there 💪

Why “Waiting for Rates to Drop” Can Cost You Most buyers think the best move is to wait for lower rates. The problem? Home prices and competition don’t wait. When rates drop: - Buyer demand increases - Competition increases - Prices often rise A slightly higher rate on a lower purchase price can outperform a lower rate on a higher price. Takeaway: Don’t chase rates, analyze the full deal.

🏠 Treasury Yield Updates 5-Yr UST Yield: 3.753% 10-Yr UST Yield: 4.214% Why is this important? Private lenders care because this affects: - take-out risk - extension risk - default probabilities - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. - 📈 Industry Headlines • Housing Inventory Slumped By Winter Weather: Interesting read about how poor weather, specifically wintry conditions can slump listings, sales, and inventory. • Demand Uncertainty or Buyer Anxiety?: Opinion based article explaining how the housing slowdown is more on the buyers and borrowers who fear acquisition is at the wrong time. 📘 What You Should Know (Opinion) As warm weather approaches, we will see a change in trends. More inventory will turnover, and more people will be inclined to purchase.

🏠 Treasury Yield Updates 5-Yr UST Yield: 3.765% 10-Yr UST Yield: 4.218% Why is this important? - Amid the stock market selloff, faith in the US economy is still strong in the eyes of investors. The 5 & 10 year US - treasuries have had no significant movement in the last two weeks. This is significant because as treasury yields fall, the economic outlook is more worrisome. - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. 📈 Industry Headlines • To Utah We Go!!!: Young buyers are beginning to look in smaller pockets of the United States for home ownership. Provo Utah is one of those places. An interesting read for those who are not tied down to where they currently rent/own. •10 Predictions for Builders and Landlords: An opinion based article with some optimistic ideas on rates, prices, and rent growth 📘 What You Should Know (Opinion) I believe we are at a point in time where we will see an increase in home sales, lower interest rates, and a continued surplus of homes. Though, the first time buyers group will continue to be marginalized.