TOGETHER WITH LIBERTAS GROUP
Harris Real Estate Daily
By Tim & Julie Harris · November 11, 2025
🫡 Happy Veteran’s Day! Today, we pause to honor the men and women who have served with courage and sacrifice.
Your strength, discipline, and commitment inspire us daily. From all of us at Tim & Julie Harris Real Estate Coaching — thank you, Veterans! ❤️🤍💙
📈 Mortgage rates hover near 6.3% on a 30-year fixed, 5-year ARMs are just under 6%, and affordability dominates the headlines. Every one of those numbers affects your next commission check—if you know how to use them.
🔥 Don’t be a Secret Agent! Be THE go-to source for all things real estate.
Agents who stay visible, confident, and informed during transitions gain the most market share. When others go quiet or “wait and see,” pros explain what’s happening—turning headlines into closings.
Your clients don’t need economists; they need you—the calm authority who translates noise into action.
These six stories are shaping today’s market—and each can become a short video, post, or client conversation that positions you as the local expert.
💡 Tip: Swap national stats for your MLS numbers before posting—local always wins attention.
Join Tim & Julie Harris as they walk through the scripts, stats, and systems top agents use. 👇
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🚀 Join our Premier Coaching Daily Sessions live on Zoom! Take action, improve your skills, and close more deals! Register once here
1️⃣ 🏠 Inventory & Price Shifts: A Market Recalibration
Median list price: ≈ $424K — stable, not falling.
With 6.3% rates, affordability is tight, but buyers now have choices—fewer bidding wars, more flexible sellers.
What Agents Should SAY NOW:
“We’re not in a slowdown—we’re in a recalibration. More choices, better terms, realistic pricing. Curious what your home would sell for right now? I’ll run a complimentary analysis.”
📣 CTA: Call or text me for a free home-value update before spring hits.
🎥 Reel idea: “Why This Isn’t a Slowdown—It’s a Recalibration.”
2️⃣ 💰 ‘Already in the 5s’: Real Paths Buyers Can Use Today
30-year fixed: ≈ 6.31%
5/1 ARM: ≈ 5.8–5.9% (rate), ≈ 6.15% APR
Builder buydowns: Often mid-5%, occasionally < 5%
What Agents Should SAY NOW:
“You don’t have to wait for rates to drop. Between ARMs, builder incentives, and seller credits, we can design a plan that fits your timeline.”
📣 CTA: Text ‘OPTIONS’ for a one-page rate comparison (ARM vs. buydown vs. fixed). 📬 Bonus: Send a postcard titled “How Buyers Are Scoring 5% Rates Right Now.”
3️⃣ 🔄 Buyer Power Is Back (And Smart Sellers Know It)
More listings + motivated sellers = leverage.
Buyers can finally negotiate; sellers who adapt will win.
What Agents Should SAY NOW:
“Buyers—you can negotiate again. Sellers—your home must show value, not desperation.”
📣 CTA: Record a 45-second reel on “buyer leverage” in your market.
📞 Follow-Up: Call five past buyers: “If the right house came up today, would you move again?”
Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: REDX
4️⃣ 🧮 Credit: The Game-Changer Underwriting Shift
What Changed:
Fannie Mae’s Desktop Underwriter (no minimum credit score as of Nov 2025) now evaluates the entire borrower profile—income, assets, rent history, DTI/LTV, and cash reserves.
FHFA is implementing FICO 10T and VantageScore 4.0—the most consumer-friendly updates in years.
FICO 10T (Trended Data):
Reviews 24 months of payment behavior, not a single snapshot.
Rewards steady improvement and low utilization over time.
Reduces penalty for one-off late payments if the trend is positive.
VantageScore 4.0 (Alternative Data):
Uses machine learning and factors like rent, utilities, and cell payments.
Expands access for first-time buyers and those with thin credit files.
Reflects real-world financial behavior instead of only credit cards.
Why It’s Better:
Old models were score-driven—a 620 cutoff could end a loan instantly.
Now it’s profile-driven—lenders see the whole person.
More flexibility = more approvals = more closings.
What Agents Should SAY NOW:
“If credit blocked you before, this could be your moment. The new models reward consistency and progress—not perfection.”
📣 CTA: Text ‘READY’ and I’ll connect you with a lender using these new systems.
💡 Reel idea: “Why a 620 Score Isn’t the Gatekeeper Anymore.”
5️⃣ 🕒 The 50-Year Mortgage & GSE Reform Debate: Engagement Fuel, Real Options Now
A proposed 50-year mortgage and potential GSE recap/release plan are generating buzz about affordability.
If approved, Fannie Mae and Freddie Mac could purchase and securitize these loans, creating longer-term, lower-payment options.
What Agents Should SAY NOW:
“The 50-year idea sounds wild, but it proves how serious the affordability conversation has become. You don’t have to wait—let’s explore what works today.”
📣 CTA: Call me directly to review today’s payment-lowering strategies.
🎥 Reel idea: “Would You Take 50 Years to Own If It Meant Buying Now?”
6️⃣ 🧰 Scripts & Talk Tracks You Can Use This Week
What Agents Should SAY NOW:
Seller (recalibration):
“In a recalibrating market, the homes that sell fastest look and feel like the best value. Let’s make yours the obvious choice.”
Buyer (rate in 5s):
“Yes — getting into the 5% range is possible right now with an ARM or builder incentive. Let’s compare options and choose the smartest path.”
Past lead (credit shift):
“Fannie Mae just changed how approvals work—if credit stalled us before, this could be your green light.”
Affordability (50-year hook):
“The 50-year mortgage might come someday—but you can win right now. Let’s map out your buying power with today’s tools.”
💡 Bonus: Use one of these scripts as voiceover for your next short video.
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🏁 Be educated. Be motivated. Get into action.
Every headline impacts your next commission check—if you know how to use it.
The agents who lead with confidence lead the market; the ones who wait get left behind.
Stay informed, stay visible, and make this your most productive quarter yet.
Your standing offer:
🏡 Homeowners: Call or text me for a free home-value update.
🔑 Buyers: Let’s review your best financing options together—call today and I’ll run real numbers.
🤝 Friends & family: Text me if someone you know is thinking about moving—I’ll treat them like family.
🎓 Want more scripts, video prompts, and accountability? Visit https://PremierCoaching.com and https://HarrisMasterMind.com.
Stay the market authority. Own your message. Control your momentum.
“Be educated. Be motivated. Get into action. You’re not just reporting the market—you’re leading it. Talk soon, and stay tuned for next week’s Market Update.”
✅ All data verified Nov 10, 2025:
30-yr fixed ≈ 6.31%
5/1 ARM ≈ 5.8–6.0%
15-yr fixed ≈ 5.8–5.9%
(Sources: https://Bankrate.com, https://MortgageNewsDaily.com)
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IN PARTNERSHIP WITH LIBERTAS
🚀 Scale Faster With the Right Support
Hard work alone isn’t enough in today’s market. The agents who rise are the ones plugged into the right systems, coaching, and community.
That’s what you get with eXp Realty + the Libertas Group:
✅ FREE Premier Coaching with Tim & Julie Harris ($3,000+ value)
✅ Harris Certified Coach Certification ($25,000 value, min. group 300)
✅ Daily live coaching calls + scripts, plans & presentations
✅ CRM access (BoldTrail, Cloze, or Lofty)
✅ HyperFast Agent Training ($3,000+ value)
Plus: masterminds, onboarding concierge, referral networks, luxury & relocation divisions, and live events.
🔥 Over $35,000 in tools and training — FREE when you join Libertas.
The Proven System Top Agents Use
🔥 The Strategies Agents Are Using to Win in 2025 — Revealed Live
Most agents are working harder than ever… but still struggling to grow. The few who are thriving? They’ve got the right playbook.
Join Tim & Julie Harris in their Exclusive Mastermind Webinar (FREE to attend) and discover:
🔥 A lead-gen engine that fills your pipeline fast
🔥 Proven scripts that close listings on the spot
🔥 Systems that keep your business consistent year-round
This isn’t theory or recycled training — it’s what’s working right now.
Seats are free, but they won’t last.
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