Trigger Leads Banned? | Fed Rate Cuts Near? | 1% Down Loan Spotlight | Weekly Mortgage Update 8/8/25
Trigger Leads Banned? | Fed Rate Cuts Near? | 1% Down Loan Spotlight | Weekly Mortgage Update 8/8/25
Episode Summary
In this August 8th Weekly Spark update, Ryan and Jason tackle three of the most impactful mortgage and real estate headlines of the month — from the long-awaited ban on trigger leads, to the growing likelihood of Fed rate cuts, to one of the most powerful affordability tools available today: the 1% Down Conventional Loan Program.
The episode explains how the new trigger-lead legislation will finally stop credit bureaus from selling consumer data without permission, dramatically reducing spam calls for buyers. Ryan and Jason also review comments from two newly appointed Federal Reserve members who now support rate cuts — a major signal that September could be a turning point for mortgage pricing.
They also break down the latest technical movements in the bond market and explain how timing your rate lock can create real savings. The episode wraps with a spotlight on the 1% down program, a high-impact loan option ideal for first-time buyers and lower-income clients.
Key Takeaways
1️⃣ Trigger Leads Are Finally Banned
New legislation stops credit bureaus from selling consumer trigger leads
Buyers will get fewer spam calls after applying for a mortgage
Timeline depends on implementation rules — but change is coming
Agents should share updates with active clients
Pro tip: Reduce calls NOW using OptOutPrescreen.com
2️⃣ Fed Rate Cuts May Be Near
Two new Fed members publicly support lowering rates
Increased probability of a September rate cut
Market sentiment shifting toward easing
Buyers may see more favorable pricing windows soon
3️⃣ Mortgage Rate Movement & Bond Market Update
Bond charts show opportunities for improvement
Intraday moves matter — timing your lock is crucial
Rates often improve before Fed announcements
Staying prepared helps buyers secure better pricing
4️⃣ Loan Program Spotlight: 1% Down Conventional Loan
A growing option for affordability-focused buyers.
Who it helps:
First-time homebuyers
Lower- to moderate-income borrowers
Clients with limited savings
Program highlights:
Buyer puts 1% down
Lender contributes the remaining 2% equity
Lower entry costs + strong long-term affordability
Realtors can use this program to generate more leads
Pro Tips for Agents & Borrowers
Use OptOutPrescreen to stop spam calls triggered by credit pulls
Educate clients on the timing of rate drops and how to prepare
Position the 1% down loan to win more first-time buyer conversations
Stay ahead of Fed updates — September may bring major changes
Call to Action
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