Weekly Spark | September 5th Market Update: Tariffs, Housing Affordability & Land Loan Programs
Weekly Spark | September 5th Market Update: Tariffs, Housing Affordability & Land Loan Programs
Episode Summary
In this early September market update, Ryan Speltz and Jason unpack a powerful mix of economic news, affordability updates, and new loan products shaping the real estate landscape. From a major tariff ruling that could shift financial markets to new land loan opportunities, this episode provides a fast, practical breakdown for buyers, investors, and agents.
A recent federal appeals court decision may require the U.S. government to repay $183 billion in tariffs already collected. This ruling introduces uncertainty across financial markets and could impact interest rates as bond traders reset expectations heading into Q4.
On the housing side, mortgage rates dipping into the 5’s are giving buyers new purchasing power. The hosts explore why now is the moment for realtors to re-engage past clients, update pre-approvals, and prepare buyers who stepped away from the market earlier in the year. They also review the National Association of Home Builders' proposal to improve financing for developers, the latest Redfin affordability data, and Warren Buffett’s continued billion-dollar investments in home builders — signaling strong long-term confidence.
The episode also includes bond market chart analysis, helping viewers understand current rate trends and why a big move may be coming soon.
A major highlight is the official rollout of new land loan programs, opening doors for buyers, builders, and investors across Florida and other states. Whether someone wants to purchase land to build later, acquire commercial-use land, or explore no-documentation land loans, Creative 1st Mortgage now offers powerful solutions — with a land + construction one-time close program coming soon.
Key Takeaways
1️⃣ Tariff Ruling, Supreme Court Implications & Market Volatility
Federal appeals ruling may require refunding $183B in tariffs
Raises concerns around national debt, fiscal policy, and Q4 volatility
Markets reacting cautiously as legal and economic outcomes remain uncertain
2️⃣ Housing Affordability Update
Mortgage rates dipping into the 5% range
New opportunities for buyers previously priced out
Realtors should encourage clients to update approvals and re-evaluate payments
NAHB pushing to ease financing to support more construction supply
Redfin’s affordability outlook shows gradual improvement in many metros
3️⃣ Builder Trends & Buffett’s Billion-Dollar Bet
Home builder stocks strengthen due to long-term demand
Builders feeling optimistic with incentive programs and financing tools
Warren Buffett continues investing heavily in major home builders
4️⃣ Bond Market Technicals & Rate Predictions
Chart analysis shows rates nearing a key decision point
Stability may give way to a big move in either direction
Bond strength could support further rate easing
5️⃣ New Loan Program Spotlight: Land Loans
Now available:
Residential land loans
Investment land loans
Commercial-use land loans
No-doc land loan options for qualifying investors
Coming Soon:
Land + construction one-time close
Streamlined path from purchase → build → permanent loan
Who This Episode Helps
Buyers exploring affordability as rates dip
Investors seeking new land or build opportunities
Builders & developers looking for financing support
Realtors & loan officers staying ahead of market shifts
Who This Episode Helps
Buyers exploring affordability as rates dip
Investors seeking new land or build opportunities
Builders & developers looking for financing support
Realtors & loan officers staying ahead of market shifts
Call to Action
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