Uncategorized • September 15, 2025

Mastering Your Minutes, Mastering Your Momentum

by Janis Smith

In real estate, it’s easy to feel like time is always slipping away. Between clients, calls, contracts, and closings, the hours can blur together until you’re left wondering where the day went.

But here’s the thing: beating yourself up over “lost time” doesn’t serve you. We’ve all had days (sometimes longer than that) that got away from us -that’s part of being human. What matters isn’t what you didn’t do yesterday, but what you choose to do today.

As Benjamin Franklin once said, “Lost time is never found again.” But here’s the flip side: the time you do have can always be readjusted, reengineered, and reclaimed.

This week, instead of carrying guilt about where your hours went, give yourself permission to reset. Protect your time, use it with intention, and focus on small shifts that make a big difference:

Block one hour a day for lead generation, and treat it like your most important appointment.
Batch tasks so you stay focused instead of scattered.
Add buffer time so you can breathe between appointments.

Your time is your power. Manage it with kindness, not criticism – and you’ll not only grow your business, you’ll also create a life worth smiling about.

– Your POWER AGENT® Team

Uncategorized • September 15, 2025

What a Fed Rate Cut Could Mean for Mortgage Rates

by Janis Smith

What a Fed Rate Cut Could Mean for Mortgage Rates

The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean mortgage rates will drop? Let’s clear up the confusion.

The Fed Doesn’t Directly Set Mortgage Rates

Right now, all eyes are on the Fed. Most economists expect they’ll cut the Federal Funds Rate at their mid-September meeting to try to head off a potential recession.

According to the CME FedWatch Tool, markets are already betting on it. There’s virtually a 100% chance of a September cut. And based on what we know now, there’s about a 92% chance it’ll be a small cut (25 basis points) and an 8% chance it will be a bigger cut (50 basis points):

So, what exactly is the Federal Funds Rate? It’s the short-term interest rate banks charge each other. It impacts borrowing costs across the economy, but it’s not the same thing as mortgage rates. Still, the Fed’s actions can shape the direction mortgage rates take next.

Why Markets Already Saw This Cut Coming

Here’s the part that may surprise you. Mortgage rates tend to respond to what the financial markets think the Fed will do, before the Fed officially acts. Basically, when markets anticipate a Fed cut, that outlook gets priced into mortgage rates ahead of time.

That’s exactly what happened after weaker-than-expected jobs reports on August 1 and September 5. Each time, mortgage rates ticked down as financial markets grew more confident a cut was coming soon. And even though inflation rose slightly in the latest CPI report, the Fed is still expected to make a cut.

So, if the Fed goes with a 25-basis point cut, as expected, that’s likely already baked in to current mortgage rates, and we may not see a dramatic drop.

But if they go bigger and drop their Federal Funds Rate by 50 basis points instead, mortgage rates could come down more than they already have.

So, Where Do Mortgage Rates Go from Here?

While the upcoming cut may not move the needle much, many experts expect the Fed could cut the Federal Funds Rate more than once before the end of the year. Of course, that’s if the economy continues to cool (see graph below):

As Sam Williamson, Senior Economist at First American, explains:

“For mortgage rates, investor confidence in a forthcoming rate-cutting cycle could help push borrowing costs lower in the back half of 2025, offering some relief to housing affordability and potentially helping to boost buyer demand and overall market activity.”

If multiple rate cuts happen, or even if markets just believe they will, mortgage rates could ease further in the months ahead. But here’s the catch – all of this depends on how the economy evolves. Surprise inflation data or unexpected shifts could quickly change the outlook.

Bottom Line

Mortgage rates likely won’t drop sharply overnight, and they won’t mirror the Fed’s moves one-for-one. But if the Fed begins a rate-cutting cycle, and markets continue to expect it, mortgage rates could trend lower later this year and into 2026.

If you’ve been waiting and watching the housing market, now’s the time to talk strategy. Even small changes in rates can make a meaningful difference in affordability, and understanding what’s ahead helps you make the best decision for your situation.

Uncategorized • September 12, 2025

History Shows the Housing Market Always Recovers

by Janis Smith

History Shows the Housing Market Always Recovers

Now that the market is slowing down, homeowners who haven’t sold at the price they were hoping for are increasingly pulling their homes off the market. According to the latest data from Realtor.com, the number of homeowners taking their homes off the market is up 38% since the start of this year and 48% since the same time last June. For every 100 new listings in June, about 21 homes were taken off the market.

And if you’ve made that same choice, you’re probably frustrated things didn’t go the way you wanted. It’s hard when you feel like the market isn’t working with you. But while slowdowns can be painful in the moment, history tells us they don’t last forever.

History Repeats Itself: Proof from the Past

This isn’t the first time the housing market has experienced a slowdown. Here are some other notable times when home sales dropped significantly:

1980s: When mortgage rates climbed past 18%, buyers stopped cold. Sales crawled for years. But as soon as rates came down, sales surged back, and the market found its footing again.
2008: The Great Financial Crisis was one of the toughest housing downturns in history. Sales and prices both dropped hard. Still, sales rebounded once the economy recovered.
2020: During COVID, sales disappeared overnight, and many people had to put their plans on hold. Yet the recovery was faster than anyone expected, with a surge of buyers re-entering the market as soon as restrictions eased.

The lesson is clear: no matter the cause, the market always rebounds.

Today’s Situation: Where We Stand Now

Over the past few years, home sales have been sluggish. And one big reason why is affordability. Mortgage rates rose at a record-breaking pace in 2022, and home prices were climbing at the same time. That combination put buying out of reach for many people. And when demand slows, home sales do too.

The Outlook: Why Things Will Improve

But here’s the encouraging part. Forecasts show sales are expected to pick up again moving into 2026.

Last year, just about 4 million homes sold (shown in gray in the graph below). And this year is looking very similar (shown in blue). But the average of the latest forecasts from Fannie Mae, the Mortgage Bankers Association (MBA), and the National Association of Realtors (NAR) show the experts believe there will be around 4.6 million home sales in 2026 (shown in green).

And a big reason behind that projection is the expectation that mortgage rates will come down a bit, making it easier for more buyers to jump back in.

That means what’s happening now is part of a cycle we’ve seen before. Every slowdown in the past has eventually given way to more activity, and this one will too.

Just like the 1980s, 2008, and 2020, today’s dip in home sales is temporary.

What That Means for You

If you’ve paused your moving plans, you did what you thought was right. Your frustration is valid. But it’s also important to remember the bigger picture. Housing slowdowns don’t last forever.

That’s where your local real estate agent comes in. Their job is to keep a close eye on the market for you. When the first signs of a rebound appear, they’ll help you spot the shift early so you can relist with confidence.

Bottom Line

If today’s housing market feels stuck, remember it’s never stayed down for good. Slowdowns end, activity returns, and people get moving again. So, connect with a local real estate agent, because when the next wave of buyers shows up, you won’t want to miss it.

As activity picks up again, will you be ready to put your house back on the market, or do you need to move sooner?

Uncategorized • September 11, 2025

Patience Won’t Sell Your House. Pricing Will.

by Janis Smith

Waiting for the perfect buyer to fall in love with your house? In today’s market, that’s usually not what’s holding things up. And here’s why.

Let’s be real. Homes are taking a week longer to sell than they did a year ago. According to Realtor.com:

“Homes are also taking longer to sell. The typical home spent 60 days on the market in August, seven days longer than last year and now above pre-pandemic norms for the second consecutive month. This was the 17th straight month of year-over-year increases in time on market.”

Part of that is because there are more homes on the market. So, with more options for buyers to choose from, they aren’t getting snatched up quite as fast. But there’s another big reason: price.

The Average List Price Isn’t Going Up – and That Matters

Today, a lot of homeowners are overshooting their list price. They remember the big climb in home prices a few years ago, and they don’t realize how much has changed.

One of the most important, but often overlooked, changes in today’s housing market is this: average list prices have held steady for the past few years.

That’s a big shift from a typical market, where prices were rising steadily each year. And it’s significantly different than the 2021-2022 surge when sellers could set their price just about anywhere and still attract multiple offers over asking.

But now? That trend has leveled off – and sellers who want to stay competitive need to take note (see graph below):

Here’s what this says about today’s market. Buyers are a lot more price sensitive now. And sellers can’t keep trying to inch the bar higher, or their house will sit without any offers.

Homeowners who expect to bring in more than their neighbors did last year may be setting themselves up for a longer, more frustrating experience.

And while homeowners are starting to realize prices can’t keep climbing at such a rapid pace, the hiccup is that list prices aren’t actually coming down yet as a result. They’re hanging around, holding steady. And sellers who make this mistake are often holding onto hope that they’ll be able to eek a few more dollars out of their sale. But that’s the problem right there.

If you want to sell today, you need to be in line with where the market is today. Not last year. Not during the pandemic. Today.

Because buyers will skip over homes that feel overpriced, even if it’s only by a little. It’s not that they aren’t interested. It’s just that in a market with more homes to choose from, buyers can be more selective, and sellers don’t get the same benefit of the doubt. If your house isn’t priced to sell, buyers just move on. They’ve got other options anyway.

4 Signs Your Price May Be Too High

You may already be feeling this yourself. If your home is listed and you’re not seeing results, watch for these common red flags noted by Bankrate:

You’re not getting many showings
You haven’t gotten any offers (or you’ve only gotten lowball offers)
Buyers that do come to see your house leave overly negative feedback
Your house has been sitting on the market longer than the average for your area

If any of these sound familiar, know that waiting it out won’t fix it. But adjusting your price will.

So, What’s the Solution?

Work with your agent to make sure your house is positioned for today’s market. Depending on your what’s happening in your local area, a few weeks without traction can raise questions for buyers about whether your price is realistic. And don’t worry – it doesn’t have to be a big drop. Even a small adjustment can be enough to bring the right buyers through the door.

And if you’re worried you won’t get the high-ticket sale price you thought you would be able to land, keep in mind that your equity has probably grown quite a bit. Chances are, you’re still ahead of the game simply because you invested in a home over the last 5, 10, or more years. You’re still winning when you sell today.

Bottom Line

Patience isn’t a strategy. Pricing is.

If your home isn’t moving, the market is telling you something – and the right price can change everything. Your house will sell, if you price it strategically.

Talk to your agent about what buyers are willing to pay right now to make sure your home stands out for all the right reasons.

Uncategorized • September 10, 2025

Mortgage Rates Just Saw Their Biggest Drop in a Year

by Janis Smith

Mortgage Rates Just Saw Their Biggest Drop in a Year

You’ve been waiting for what feels like forever for mortgage rates to finally budge. And last week, they did – in a big way.

On Friday, September 5^th, the average 30-year fixed mortgage rate fell to the lowest level since October 2024. It was the biggest one-day decline in over a year.

What Sparked the Drop?

According to Mortgage News Daily, this was a reaction to the August jobs report, which came out weaker-than-expected for a second month in a row. That sent signals across the financial markets, and then mortgage rates came down as a result.

Basically, we’re seeing signs the economy may be slowing down, and as certainty grows in the direction the economy is going, the markets are reacting to what is likely ahead. That historically brings mortgage rates down.

Why Buyers Should Pay Attention Now

But this isn’t just about one day of headlines or one report. It’s about what the drop means for you.

This recent change saves you money when you buy a home. The chart below shows you an example of what a monthly mortgage payment (principal and interest) would be at 7% (where mortgage rates were in May) versus where rates roughly are now:

Compared to just 4 months ago, your future monthly payment would be almost $200 less per month. That’s close to $2,400 a year in savings.

How Long Will It Last?

That really depends on where the economy and inflation go from here. Rates could drop lower, or they could inch up slightly.

So, make sure you’re connected with a good agent and trusted lender. They’ll keep a close eye on inflation indicators, job market updates, and reactions to upcoming Fed policy to gauge where mortgage rates may go from here.

But for now, focus on this. While no one can say for sure where rates are headed, the fact that rates broke out of their months-long rut is a good thing. If you’ve been feeling stuck, this could make the start of a new chapter. As Diana Olick, Senior Real Estate and Climate Correspondent at CNBC, says:

“Rates are finally breaking out of the high 6% range, where they’ve been stuck for months.”

And that’s gives you more reason to hope than you’ve had in quite some time.

Bottom Line

This is the shift you’ve been waiting for.

Mortgage rates just saw their biggest decline in over a year. And if rates stay near this level, it could make a home you couldn’t afford just a few months ago feel possible again.

What would today’s rates save you on your future monthly payment? Connect with an agent or lender so you can find out.

Uncategorized • September 9, 2025

7 Strategies for Real Estate Agents to Master Adaptability

by Janis Smith

7 Strategies for Real Estate Agents to Master Adaptability

Change seems to come at us from every direction with no sign of slowing, and learning to be adaptable is the best way through it.

Being a real estate agent is a demanding and challenging job. Not only do you have to keep up with the ever-changing market trends and regulations, but you also have to be able to hang on in what can, at times, seriously feel like a roller coaster ride. In recent training sessions, we could FEEL it and hear it in the comments, agents are discouraged and ready to throw in the towel and look for a different career. We get it. This particular brand of change is a rough road, but we want you to know to your core how valuable you are, as is the role you serve in your communities. YOU ARE ESSENTIAL.

Right now, you’ve got to lean into your resilience and adaptability. That means you need to develop the skills to adjust to change quickly and bounce back from setbacks.

1. Remain Calm in the Face of Challenges

Staying calm and level-headed in the face of challenges is essential to being adaptable and resilient. Real estate transactions can be emotional and stressful, and clients may have high expectations. Changes in the industry itself are undoubtedly stressful, but you can’t let that pressure affect your attitude or behavior. Instead, focus on finding solutions, working on the problem, and staying committed to your goals. When you remain calm, you’ll be better equipped to overcome obstacles and bounce back from setbacks.

2. Keep an Open Mind and Be Ready to Grow

You’ve probably heard this concept before, but it’s worth emphasizing again. A growth mindset means you believe that your abilities can be developed over time through hard work and dedication. When you can keep an open mind and be ready for trials in which to grow, you’re more likely to take on challenges and will see failures as opportunities to learn and grow. Real estate agents who keep an open mind will be better equipped to adapt to changes in the market and succeed in the long term.

3. Build a Support System

Resilient agents don’t go it alone. They surround themselves with people who are positive, supportive, and understanding. This can include family members, friends, colleagues, mentors, or coaches. Having a support system or a real estate community can help you weather the storms of the real estate industry, no matter what changes come to you, and it can also provide much-needed feedback and perspective when you’re facing challenges.

4. Practice Self-Care (Seriously!)

You work long hours and face constant stress. (We know, we see you!) That’s why it’s important to take care of your own well-being. That means different things to different people, but it might include regular exercise, healthy eating, meditation, or spending time with loved ones. When you prioritize self-care, you’ll have more energy and enthusiasm to tackle the challenges of the real estate industry.

The problem is that this important part of building resilience is often the first to go when the going gets tough. Whether you feel guilty about taking time for yourself or you fill your schedule to the brim, burnout hits hard and can have long-term consequences. Be kind to yourself, and make sure that you do things that make your heart smile.

5. Risk Management and Contingency Planning

Being prepared for whatever comes your way is a cornerstone of success in real estate. This means not only anticipating potential challenges but also having solid contingency plans in place. It’s like having a safety net to catch you if things don’t go as planned. One crucial aspect of this is maintaining healthy financial reserves. This ensures you have the flexibility to weather any storms that might come your way. Whether it’s a slow market period, unexpected expenses, or a shift in client needs, having a financial cushion provides peace of mind and stability.

6. Learn from Failure

Failure is a natural part of any business, including real estate. However, the most successful agents are those who use failure as a learning opportunity. When something doesn’t go as planned, take the time to reflect and identify what went wrong. Then, figure out what you can do differently the next time around. This mindset will help you become more resilient and more likely to succeed in the future.

7. Continuous Learning and Skills Building

Resilient real estate agents are always looking for ways to learn and improve. This could mean attending industry conferences, taking online courses, reading books, or seeking out the advice of mentors or coaches. Being able to anticipate changes in zoning laws, building codes, or other regulatory shifts can have a significant impact on your transactions, and learning what to look for is key. The more you can invest in your own growth and development, the more adaptable and resilient you’ll be in the long run.

The Takeaway

Being a successful agent requires more than just knowledge and experience. It requires adaptability and resilience. By keeping an open mind, building a support system, practicing self-care, embracing technology, and continuously learning and improving, you’ll be well-positioned to overcome challenges and thrive in this ever-changing industry. Remember, being adaptable and resilient will not only help you succeed in your career, but it will also benefit your personal life by helping you handle any challenges that come your way.

Uncategorized • September 9, 2025

7 Strategies to Stop Buyer’s Agent Burnout Before It Starts

by Janis Smith

7 Strategies to Stop Buyer’s Agent Burnout Before It Starts

Beat burnout before it beats you – 7 smart strategies to protect your energy, serve buyers better, and stay passionate about real estate.

Working as a buyer’s agent can feel like you’re sprinting a marathon that never ends. We know how it goes: You’re fielding texts late at night, juggling back-to-back showings, and navigating buyer indecision. That constant demand can take a toll. But burnout isn’t just part of the job—it’s a big flashing neon sign that something needs to change. The smartest agents don’t just push harder, they adjust how they work. They take a good hard look at their processes and look for ways to ease the strain.

We have seven strategies to help you stay productive, profitable, and passionate about your business.

One: Protect Your Time With Boundaries

You’re not a one-person 24/7 hotline. Let clients know your office hours right from the start and stick to them. Example: “I take calls Monday–Friday until 6 PM, and Saturdays by appointment. Sundays are family time.” Enforcing this teaches clients to respect your time and prevents exhaustion.

Two: Qualify Buyers From Day One

Before booking a showing, consider hosting a “meet and greet” at your office to ask key questions, such as: “Have you spoken with a lender?” “What’s your budget?” “What’s your buying timeline?” Sorting buyers into the three readiness phases—Discovery, Identifying, Commitment—helps you focus energy on clients who are motivated and capable of making decisions.

Three: Harness Technology to Streamline

Automation can be your best friend. Scheduling apps like Calendly, virtual tours, and digital signatures cut down on wasted time. The more you automate repetitive tasks, the more you can focus on building relationships and negotiating offers.

Four: Schedule Recovery Time

You can’t run on fumes. Fiercely protect one full day off every week so you can get out and do whatever recharges your batteries. Whether it’s hiking, binge-reading, or family dinners, downtime fuels patience and creativity when you’re back on the job.

Five: Learn the Power of “No”

Some buyers will drain your energy with unrealistic expectations or indecision. If the relationship isn’t working, don’t be afraid to say, “I may not be the best fit to help you, but I can refer you.” Freeing yourself from the wrong clients creates space for the right ones.

Six: Create Buyer Education Systems (new)

Much of buyer stress (and your burnout) comes from clients not knowing what to expect. Create a short “Welcome Kit” or email series that explains the process, timelines, common roadblocks, and the most frequently asked questions (with answers!). An educated buyer makes faster, better decisions—and saves you hours of repeated explanations.

Seven: Partner, Don’t Shoulder It All Alone (new)

You don’t need to handle every showing yourself. Lean on team members, showing assistants, or even vendor partners to cover parts of the process. Sharing the load not only reduces burnout but also shows clients you run a professional operation with built-in support and have a strong network of partners.

Before you go…

Avoiding burnout isn’t about doing less, it’s about being intentional in all the things you do—setting boundaries, focusing on qualified buyers, streamlining with tech, building education systems, and leaning on others. The more you protect your energy, the more you’ll enjoy your business—and the longer you’ll thrive in it.

Uncategorized • August 29, 2025

What Smart Agents Are Doing Between Closings (That Most Ignore)

by Janis Smith

You don’t need more closings to grow your income.

In fact, some of the smartest agents in our community are using their existing database to create new income streams—without adding hours to their week or changing brokerages.

In one of our recent Icon Coaching webinars, we introduced a powerful idea: What if you could serve your clients beyond the transaction—and get paid for it?

💡 Think Beyond the Deal

Most agents close a deal, hand over the keys, and move on. But what if that client still needed you?

✅ They might need help protecting their mortgage

✅ They might be thinking about estate planning

✅ They might know someone else about to buy

You’ve already earned their trust—now, you can offer more value and get compensated for it.

💼 What This Looks Like in Practice

A handful of agents in our community are partnering with financial solution providers to:

Help past clients with mortgage protection or financial literacy

Reconnect with their database using real value, not just market updates
Get paid for helping families make smart, secure decisions

It’s not about selling products. It’s about staying relevant and adding meaningful support to the lives of people you’ve already served.

🔁 You Don’t Need a New Business—You Need a Smarter One

This isn’t a career change. It’s a form of leverage.

Think of it like this:

You already built the relationship

You already earned their trust
Now you can keep adding value and earn recurring income

We call this: “getting paid between paychecks.”

🎯 The Perspective

We’re not here to push one income stream over another. We’re here to show you what’s working—and help you design a business that doesn’t just survive, but scales.

So if you’re thinking,

“I don’t want more clients. I just want more control.”

This is the kind of leverage worth looking into.

Uncategorized • August 28, 2025

What Everyone’s Getting Wrong About the Rise in New Home Inventory

by Janis Smith

What Everyone’s Getting Wrong About the Rise in New Home Inventory

You may have seen talk online that new home inventory is at its highest level since the crash. And if you lived through the crash back in 2008, seeing new construction is up again may feel a little scary.

But here’s what you need to remember: a lot of what you see online is designed to get clicks. So, you may not be getting the full story. A closer look at the data and a little expert insight can change your perspective completely.

Why This Isn’t Like 2008

While it’s true the number of new homes on the market hit its highest level since the crash, that’s not a reason to worry. That’s because new builds are just one piece of the puzzle. They don’t tell the full story of what’s happening today.

To get the real picture of how much inventory we have and how it compares to the surplus we saw back then, you’ve got to look at both new homes and existing homes (homes that were lived in by a previous owner).

When you combine those two numbers, it’s clear overall supply looks very different today than it did around the crash (see graph below):

So, saying we’re near 2008 levels for new construction isn’t the same as the inventory surplus we did the last time.

Builders Have Actually Underbuilt for Over a Decade

And here’s some other important perspective you’re not going to get from those headlines. After the 2008 crash, builders slammed on the brakes. For 15 years, they didn’t build enough homes to keep up with demand. That long stretch of underbuilding created a major housing shortage, which we’re still dealing with today.

The graph below uses Census data to show the overbuilding leading up to the crash (in red), and the period of underbuilding that followed (in orange):

Basically, we had more than 15 straight years of underbuilding – and we’re only recently starting to slowly climb out of that hole. But there’s still a long way to go (even with the growth we’ve seen lately). Experts at Realtor.com say it would roughly 7.5 years to build enough homes to close the gap.

Of course, like anything else in real estate, the level of supply and demand is going to vary by market. Some markets may have more homes for sale, some less. But nationally, this isn’t like the last time.

Bottom Line

Just because there are more new homes for sale right now, it doesn’t mean we’re headed for a crash. The data shows today’s overall inventory situation is different.

If you have questions or want to talk about what builders are doing in your area, connect with a local agent.

Uncategorized • August 27, 2025

History Shows the Housing Market Always Recovers

by Janis Smith

History Repeats Itself: Proof from the Past

This isn’t the first time the housing market has experienced a slowdown. Here are some other notable times when home sales dropped significantly:

1980s: When mortgage rates climbed past 18%, buyers stopped cold. Sales crawled for years. But as soon as rates came down, sales surged back, and the market found its footing again.
2008: The Great Financial Crisis was one of the toughest housing downturns in history. Sales and prices both dropped hard. Still, sales rebounded once the economy recovered.
2020: During COVID, sales disappeared overnight, and many people had to put their plans on hold. Yet the recovery was faster than anyone expected, with a surge of buyers re-entering the market as soon as restrictions eased.

The lesson is clear: no matter the cause, the market always rebounds.

Today’s Situation: Where We Stand Now

The Outlook: Why Things Will Improve

But here’s the encouraging part. Forecasts show sales are expected to pick up again moving into 2026.

And a big reason behind that projection is the expectation that mortgage rates will come down a bit, making it easier for more buyers to jump back in.

That means what’s happening now is part of a cycle we’ve seen before. Every slowdown in the past has eventually given way to more activity, and this one will too.

Just like the 1980s, 2008, and 2020, today’s dip in home sales is temporary.

What That Means for You

If you’ve paused your moving plans, you did what you thought was right. Your frustration is valid. But it’s also important to remember the bigger picture. Housing slowdowns don’t last forever.

Bottom Line

As activity picks up again, will you be ready to put your house back on the market, or do you need to move sooner?

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