In today’s episode of the Loan Officer Breakfast Club, Owen Lee broke down why right now may be the best rate environment we’ll see for some time to come. Even though many are still waiting for the Fed to cut rates, Owen explained that mortgage rates have already baked in the expected cuts — meaning rates are unlikely to drop further, and could actually rise if the Fed deviates from market expectations.

Owen’s message was clear: this is a golden moment to lock in, educate your pipeline, and get more buyers off the fence. If you’re waiting for rates to drop, you’re likely missing the real opportunity. Watch the full market update and learn how to turn this insight into referral-generating conversations.

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