Rate environment quiet this weekend and no new lender or regulatory moves to react to, so today leans into an evergreen play: a one-page payment sheet you send your agent partners every Monday morning. A sheet with this week's numbers gives an agent an answer ready when a buyer asks about the payment, and it puts your name on that answer. It also gives you a standing reason to be in their inbox that is not a request for business, and this week hands you the content — BEA's August PCE lands Wednesday, September 30, and the September jobs report Friday, October 2.
On rates, stay straight with them. Bankrate's 30-year is 7.22% this morning, the top of its 90-day range (6.47%–7.22%) and 49 basis points above the 6.73% of a month ago. On a $400,000 loan that is about $2,721 a month in principal and interest, against about $2,589 a month ago. With refinance math hard to make work against a 7.22% market rate, the marketing focus is the purchase side — buyers in the market now and the agents walking them through homes. That is exactly who a payment sheet serves.
Keep the sheet tight: three price points your partners actually sell at, and for each one the principal-and-interest payment on a conventional 30-year, an FHA 30-year (Bankrate's FHA average is 6.93%, before mortgage insurance) and a 15-year (6.60%). Add one line on what lands this week and one line inviting their buyers to get a payment on their real numbers. Send it the same morning every week so it becomes a habit on their side. If you co-brand it with an agent, keep the cost split proportional to how each of you uses it — RESPA Section 8 is in the headlines again with Zillow asking a federal court to dismiss a RESPA suit against it, and co-marketing is where that rule touches your week.
build the template with your three price points and the three loan types, fill in today's rates, and line up the ten agents you will send it to at 8 a.m. Monday.