Real Estate Coaching and Success Blog

How to Talk About the Federal Reserve Interest Rates

Written by Tom Ferry | Sep 20, 2024 9:26:01 PM

The Fed has cut interest rates by a whopping half point! 

Huge new! This is the first rate cut in almost four years, which means a lot of things for potential buyers and sellers who may have been holding back before. For you, it means it’s time to jump into action and start educating your database and sphere. We need to capitalize on this moment, not just to make more transactions but to genuinely help people navigate this complicated situation. 

So before I go live on September 26 to talk more about the implications of the Federal Reserve meeting and how to leverage it, as well as the most important tactics for closing out the year, I want to use this blog to share some tips that will help you communicate better right now. Keep in mind, there are a lot of other factors going on right now such as an election cycle, the possibility of a recession, and more, so things could change at any moment.

Understanding Federal Reserve Rates

A few weeks ago, we talked about the economy. Now, let's break down what happens in the housing market when the Fed cuts interest rates:

  • Increased Buyer Activity: Lower Fed rates generally mean lower borrowing costs, which can encourage more buyers to enter the market. This uptick in demand can lead to increased competition for homes.
  • Mortgage Rate Dynamics: While the Fed's rate cuts can lower borrowing costs, mortgage rates might not drop significantly right away. Predictions suggest rates could stabilize around 6.2% but may fall to about 5.5% by late 2025.
  • Possible Stock Market Boost: Typically, when U.S. interest rates drop, the stock market picks back up as people gain new confidence in the economy. 
  • Potential for Higher Home Prices: Increased buyer demand can drive up home prices, which might complicate affordability, especially for first-time buyers.
  • Supply Constraints: The market is currently facing a shortage of homes, particularly starter homes. While lower rates might incentivize builders, it takes time to increase housing supply.
  • Lock-In Effect: Many existing homeowners with low mortgage rates are reluctant to sell, limiting inventory and keeping prices elevated.
  • Long-Term Affordability: Although lower rates can reduce monthly payments, the overall affordability crisis persists due to rising home prices outpacing income growth.

What is the Interest Rate Forecast for the Next 5 Years? 

This is the question on the minds of everyone who is looking to buy or sell. Again, I’ll say that these are only predictions based on the information available, so take it with a grain of salt. 

  • 2024: Federal Reserve expected to cut rates by 0.5% by year-end, with mortgage rates potentially dropping to 6% - 6.5%.
  • 2025: Anticipated aggressive Fed rate cuts, possibly four reductions, bringing the federal funds rate down to around 4.1%. Mortgage rates may settle in the high 5% range.
  • 2026: Continued cuts expected, with rates around 3.00% - 3.25% by year-end, establishing a new normal.
  • 2027: Rates projected to stabilize around 2.9%, promoting long-term economic growth.
  • Overall Trends: Gradual decline in rates expected, influenced by inflation control and economic stability.

Communicating with Your Clients

Now, how do you translate this information into actionable advice for your clients and sphere? It’s simple: clear, concise, and empathetic communication is key.

1. Educate and Inform

Start by educating your clients about what the Fed's interest rate cuts mean. Use simple language to explain how these cuts can affect their buying or selling decisions. For instance, you might say:

"Lower interest rates can make borrowing cheaper, which might increase the number of buyers in the market. This could mean more competition for homes and potentially higher prices."

If I were you, I’d send out an email followed by a text to everyone in my database to let them know what’s going on. And of course, you need to spread the word at scale on social media.

Act Faster (and Smarter) with AI

Federal Reserve interest rates and their implication on the home buyer process is complicated, and providing helpful guidance on it is even more complicated. You need to stay on top of the latest developments and then be able to convert them into content in a flash. 

This is just one of the ways that tools like TomAI+ are setting our coaching members apart from the rest of the industry. TomAI+ released a ton of new features earlier this week, such as a Market Info tab which sources the latest, most relevant, and most accurate real estate news from across the entire internet and then allows you to instantly convert it into meaningful, personalized marketing pieces in your voice. 

2. Set Realistic Expectations

It's crucial to set realistic expectations. If mortgage rates are predicted to stabilize or drop slowly, let your clients know. This helps them make informed decisions without unrealistic hopes.

This is a part of your value proposition. Yes, now is a good time to buy or sell a home, but you need a trusted advisor who is going to tell you the truth. 

3. Highlight Opportunities

For buyers, emphasize the potential benefits of entering the market now, such as lower borrowing costs. For sellers, highlight the increased buyer activity and potential for higher home prices.

This is a huge opportunity for home sellers who are looking to downsize. With the rates cut and so many buyers flooding the market, now it’s an incredible time for them to get as much competition (and value) on their property as possible 

4. Address Concerns

Be prepared to address concerns about affordability and inventory shortages. Acknowledge these challenges and offer solutions, such as exploring different neighborhoods or considering new builds.

Summit Strategies & a Lot More

Want a deeper look into the most important real estate strategies of Q4, including how to leverage the fed rate cut? 

In a few days, I’m hosting a webinar with some of the stars of this year’s Success Summit to dissect the mind-blowing real estate strategies they shared at the event to help you execute the ideas. On top of that, I’ll be mentioning how to best leverage this interest rate development into your communications. 

Beyond the Summit: Idea to Implementation” is happening September 26 at 9 a.m. PT. It’s completely free and essential viewing whether or not you attended the Success Summit. All you need to do is register, because spaces are limited and will fill up, so act fast!