Live with Restream, January 09

Well, hello, my friend. It is an extraordinary day here in the United States. It is National Quitters Day, but not for people like you and I. So I'm live right now on Facebook, Instagram, YouTube and X. And I wanted to reach out to you today saying this is an extraordinary day and here's why. As of this morning in the U.S. interest rates just hit a historic low, a three and a half year low. Let me, let me explain. The last time the interest rates for someone to purchase a home at 5.99 under 6% was September of 2022. Now, I don't know about you, but this is an opportunity for you right now to basically set the tone, not just for 2026, but absolutely for the first quarter of this year. And I put together for you a couple insights, a couple actions, a few scripts and an absolute recommendation, an absolute recommendation for you to absolutely crush. So I'm doing this live. I'm going across as many platforms I can for efficiency sake. Brandon, you got some slides up there for me? I don't know. I can't see where you are today, but I hope you're going to make a comment. Have you seen the rates today? Have you seen the rates? If you're a follower of mine on Instagram, you can see that I made a comment or made a little video this morning, a green screen, which I'm going to recommend you do the same. Looks like just shy of 10,000 people. Looks like this. If you can see it, the rates are at 5.99 for the first time since September of 2022. And if you're on the Palm Agent app, if you're in the US and you don't have the Palm Agent app or the Fidelity Chicago tight core, right. It's the, the Palm Agent app is this extraordinary app. And the reason why I bring it up is the rate buy down opportunities. You might be able to help a client today through a rate buy down situation and maybe get a rate as low as like 5.49. Right? The, the big complaint that was percolating up in the US certainly over the last six to seven months has been affordability. Well, my friends, you now have an opportunity to save your buyer a lot of money. But we know what's going to happen if in fact these rates regulate and we stay this way for a while, we know what's going to happen. Home prices are going to go up, transaction counts going to go up. Everybody' been saying, certainly since September 2022, really the beginning of 2023, we would all say, oh my goodness, if the rates get into the fives, even 5.99, the wheels are going to come off. So this is just a quick psa. I'm live. I want to show you a couple things. So here's my actions. If I was your personal coach, if you and I were sitting together one on one, if I put my arm around you and said, I don't know what your plans are, Friday, Saturday, Sunday, but blow all of them off, blow all of that. But Tom, I'm getting married. Get married. That's a good idea, Tom. I'm gonna have a baby. Have a baby. For everybody else there is football. I don't care. I don't care. There is nothing more important than this short window of time. Cuz let's just be honest, rates bounce. Rates bounce. And this is most likely a very political move. When Trump announced that he was gonna, you know, buy down a bunch of mortgage backed securities, he was trying to compress a little bit on the 10 year. And this is the reaction to it. I have a bet with a friend right now that says by the end of today rates could be above 6. And I think absolutely by the middle of next week we could see rates in the six again. I don't know if it's going to get any lower, I don't know. But here's what I do know. I do know. And you see it there in the slides. You need to text, email, call or DM on social. Every buyer, every seller lead who's been telling you we're just waiting for it to become more affordable, we're waiting for the rates to drop. I'm going to give you some scripting around texting and DMing and emailing and even for a video that you should film. But it starts with the commitment here that I am going to reach out to every single buyer, every single seller lead, everybody that was interested who said, you know, it's just, it's just unaffordable right now. Like I need to wait for the rates to come down. This is the moment, my friends. It's like whoop, whoop, warning. Like this is it. Number two, every client who bought a home from you since September of 2022, you owe them, you owe them. Trust me, your lender, your lender's reaching out. But if your lender reaches out and says, hey, good news, rates just dropped, I can save your payments 300, 400, 500, a thousand, $2,000 a month, whatever it may be. If they do that, you break trust, you lose Trust, you lose authority. You absolutely must grab your list of every buyer transaction from September, October of 2022. And every single one of them needs a text message from you, an email from you, a DM from you, a call from you. You can pick all four modalities. You could do one or two modalities. Text, email, call, dm. But if you don't reach out and your lender does, I think you've lost credibility, you've lost trust. These are your clients. Number three, you gotta email your entire database today. You gotta email them today. And I'm gonna give you the script. I'm gonna give you the script, but it's gotta go out. As soon as you watch this, it needs to go out like asap, like right now, as fast as possible. And number four, make no bones, you must do a green screen. If you look at my Instagram page, go to my Instagram page, you can see it's, I mean I posted it like, I don't know, 25 minutes ago. And it's just skyrocketing because I'm talking to agents right now in the us they're like, we didn't even know. We didn't even know. The rates are at 5.99. Like literally tens of people on a zoom I was doing earlier were like, we didn't know. Oh my goodness, this is incredible. Now I don't know if you knew, maybe you did, maybe you're like five steps ahead of me and you're already doing all these things. But if you're not, if you're not, now is the time. Now is the time. So let me give you some scripting. If I was going to send a text, a dm, an email, it's going to look something like this. You can modify it however you want. Great news. Rates have dropped to their lowest level since September of 2022. We are now under 6%. You could say 5.99 if you want. And my lender may be able to get them even lower rate, buy down exceptional credit, shorter term financing, you know, all that stuff, right? Great news. This is your text. You can send this immediately starting today. And then you add in the little CTA PN if you want to chat, explore refinancing and, or exploring other options. Let's talk today. As this may be temporary. I'd love a hundred dollar bet with anybody out there that that doesn't think that potentially by the end of the day or you know, by Wednesday of next week that the rates aren't back up. Six, I Think back up to six. I believe that's what's going to happen. I think we have such an extraordinary moment in time right now to just help as many people as we can lock in. You know, get their application with their loan officer, get them in the game for refi, lock in the rate, lock in the rate. Now, all my best loan officers, if you're watching right now, you know the game. The smartest, the very best. It's purchased by day and it's refi by night. It's purchased by day and it's refi by night. So I know all my lender guys and gals, they're going to be working all weekend long. Like, it is not going to stop. This is your moment in time, my friend. Now, additional scripting. If I'm in a call, maybe it's just something as simple as, hey, Brandon. My producer just walked out of the room. I've got some great news. Mortgage rates just dropped below 6%. They're like 5.99. And what this means is they're the lowest since they've been since September of 2022. Did you see the news? They're gonna be like, no, no. And then what am I gonna say? Look, I'm calling to find out if this rate can have meaning or impact for you, right? Like, should we look at refinancing or maybe exploring the next move? Like, I'm gonna. I'm gonna make that phone call over and over and over. This is one of those moments in time. I. I just. I'm not gonna be on here live for more than, like, maybe, you know, one more little thing that I'm going to show you. But I'm going to tell you this. I think the next Friday, Saturday, Sunday, the next three days is absolutely going to make or break what happens for you and your business in the first quarter. And it's not just you doing more transactions. It's not just that. What it really is, is if you don't reach out to your past clients who you sold houses to from September, October of 2022 to now, the real impact is you lose trust, you lose credibility, you lose the connection, right? They. They see it from somebody else. They go on Instagram or Facebook or TikTok or, you know, X or wherever. They're at YouTube and they see, oh, rates just dropped. How come. How come Harriet didn't call? Where's Phyllis? Where's Bob? Where's, you know, where's Jose? Like, what. What's going on here? Like, why isn't my person telling me this, I, I don't think you understand the negative impact that can have on your brand. So on one hand, I'm telling you, this could make or break your quarter. You could, you could literally set the tone for how 2026 is going to be in a positive or a negative way based on the actions that you take. The next 60 ish hours can be the catalyst of an extraordinary year or the biggest regret of 2026. So, my friends, that's my message. That's my message. And all I'm telling you is you don't have to complicate this. I'm giving you the scripts. Hopefully you took a screenshot of this. Brandon, let's make sure we post these at least on Facebook. Or maybe we post it inside X, I don't know. I'm going to put it back up again in a second, but I want to just remind you the actions I want you to promise. You, me, yourself, your partners, your family, your clients. You're going to text, email, call and DM every buyer and seller lead who's been waiting for the rates to drop. Because it's official, they're here. If you don't have the Palm Agent app, should download that today. If you don't know what it is, download it today. Trust me, you're going to open it up and go, omg, this is the easiest tool on the planet to be able to show people because you're, you know, you're not a loan officer to show people what is possible with their payments, rates, everything. It's, it's a, it's one of like, I don't know, 800 killer calculators. Number two, every client who bought a home since September, they gotta be notified to refi. Number three, every person in your database gets an email today. I gave you the script. And number four, film a green screen. Look at my Instagram page at Tom Ferry. Maybe you're on it right now. Look at that, look at the video. Do your version of it. Do the green screen. Show Mortgage News Daily in the background. 5.99. I mean, you get my passion on this. You get it, you get it. And I got you. I want you to win. I want you to set the tone and have an amazing, amazing first quarter and the tone for what's going to happen in 2026. So I'm going to leave this up. I don't know how you're going to capture it. You know, take a, take a screenshot of it really fast. Something like this. Maybe you got a Better script. I don't care. I really don't care. All I know is action solves everything. But Tom, I've got a busy day ahead of me. Cancel it all. Cancel it all. What if, what if, what if, what if on Monday morning at 6:30 you grab mortgage News Daily and the rates are at 6.12, still incredibly low. But there's something about that five. That five. That five is. It is. So. It's human psychology. You know, when you price a property at 800,000 versus 799-99-9999, what that means? That 5 is symbolic of abundance, opportunity, affordability, a moment in time. And if you miss it. Oh, if you miss it the next 60th hours. I didn't even say that. Right. The next. I can't say it again. In case you're wondering, this is a live show. The next 60 ish hours can be the catalyst for an extraordinary year. Or you will look back at this moment as one of the biggest regrets of the year. If you think hard work for the next three days is challenging, wait till you get handed the bill of regret. Wait till you get handed the bill of regret because you missed it. When you see a client, a friend, a family member who you didn't reach out to and, and they're like, dude, what? I mean, we missed it. We missed it. I didn't even know I was at the barbecue. We were watching football. It's go time. You with me, it is absolutely go time. So I am sending you love and appreciation and respect. I want you to have an amazing year this year. I want you to go through this year being at your very best every single day. I call it level 10. It's. It's me against me. It's not me against you. I'm not competing with anybody. I'm just trying to be the best version of myself every single day. That's what I wish for you right now. I wish for you to get out of whatever mindset you're in and pour into. I'm going to notify as many people as I can of this moment in time. And whatever happens, happens. If I sell three houses or 30 houses, whatever happens happens. If I get a bunch of my clients to refinance and they get a situation that makes their life better and more affordable, then that was worth it on itself. The next 60 ish hours can be the catalyst of an extraordinary year, or it could be the biggest regret of 2026. Let me know in the comments. Which one is it going to be for you? All right. It's January 9th. It's National Quitters Day. That's not how we roll. I love you. I appreciate you. I respect you. Thank you for being in my community and my ecosystem. Now let's go help as many people as.