The rate environment is quiet this weekend and there are no new lender or regulatory moves to react to, so today leans into evergreen tactics with one dated hook. September CPI lands Wednesday, October 14, after Monday's Columbus Day bond market close. You know the moment is coming, and you can write for it now: one message for the morning rates ease, one for the morning they firm up. Whichever way it breaks, you send a finished, specific note within the hour instead of writing one from scratch.
Bankrate's 30-year reads 7.55%, the top of its 90-day range (6.59% to 7.55%), and it sat at 6.90% a month ago. On a $400,000 loan that is about $2,811 a month in principal and interest, roughly $177 more than a month ago, so this is not a refinance week. The two segments that matter are in-flight borrowers, who need a lock-or-float answer before Wednesday, and past clients, whose story right now is equity rather than rate. Fannie Mae's third-quarter Home Price Index shows prices up 3.4% from a year earlier and 0.9% over the quarter on a seasonally adjusted basis, a sourced figure you can put in front of a homeowner.
The tactical move: draft two short emails and two texts in your CRM today and save them as templates. The firmer-rates version leads with locking and protecting the payment on the file; the easier-rates version leads with a fresh payment check. Keep each one to a single number and a single ask. Then build a home value check-in for past purchase clients one to three years out that cites the Fannie Mae index, offers a personal equity estimate, and asks nothing else of them.
write and save both post-CPI templates in your CRM, and schedule the home value check-in to go out Thursday so it does not land in the same inbox as your CPI note.