We’ve been waiting all year for rates to budge… and it’s finally looking like we could see our first rate cut this September. 📉

Depending on who you ask, the Fed may go with a modest 25 basis point cut, or they may surprise us with a more aggressive 50 basis point cut to give the economy a stronger boost.

Let’s break down what’s expected, what’s still up in the air, and what this means for buyers, sellers, and agents heading into fall. 👇

🧠 Why a Rate Cut Is on the Table

After months of holding steady, the Federal Reserve is now seeing signs that inflation is finally cooling — and that the labor market is softening. That combo is what could trigger the Fed to start lowering rates to support growth.

Here's what’s pushing that possibility:

• 📉 Slower job growth: July's job report came in weaker than expected.
• 🧾 Inflation progress: Core PCE inflation is finally showing signs of real movement.
• 🌍 Economic uncertainty: Global slowdowns are adding more pressure on the Fed to act.

Now economists, investors, and even Fed officials are all weighing in — and not everyone agrees on how big the first move should be.

📊 25 or 50 Basis Points? Here’s the Breakdown

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🏡 What This Means for the Market

📌 For Buyers:

This could be the moment buyers have been waiting for. Even a small drop can lower monthly payments and improve buying power. If we get a 50-point cut, you’ll likely see more urgency from sidelined buyers.

➡️ Tip: Get your pre-approvals and financing lined up now so you're ready to act fast.

🏠 For Sellers:

Lower rates usually bring more buyers — but especially if there’s a surprise 50-point drop. More buyers = more showings, more offers, and potentially better terms.

➡️ Tip: If you’re thinking of listing, get your home photo-ready and start prepping now.

📣 For Agents:

This is your time to shine as the local expert. Your clients and followers are hearing whispers about the rate drop — so help them understand what it means and what they should be doing right now.

➡️ Tip:

• Post a quick market update on stories or reels
• Send an email breaking this down for your database
• Invite buyers to schedule a strategy session

🔚 Final Thoughts

Whether we see a 25 or 50 basis point cut, all signs point to fall heating up. Be ready. Your clients will need guidance — and the pros who stay ahead of the news will be the ones who win. Please remember our loan officer sponsors as you decide who to send your buyers to. They are the reason we can be here!

Need help staying on top of what to say, post, or share? Join us inside The Realtor Hive— where we give you weekly content, video prompts, and everything you need to show up confidently and consistently in a shifting market.

Let’s make this next season your best one yet. 🐝

Get Started in The Realtor Hive: https://boards.com/a/m9Aa8.AnLMy4

Your busy bee,

Jenny Aldrete