CJ Follini, Publisher
Welcome back, Noyackers!
Buying a home is rarely about perfect timing—it’s about prepared timing. The Fed’s first cut of 2025 has nudged mortgage rates to their lowest level in nearly a year, sparking the inevitable question: “Is now my moment?” For high earners, the answer isn’t about chasing the bottom; it’s about:
Readiness
Strategy
Controlling what you can
Big headlines can distract from practical decisions. A Fed cut doesn’t mean mortgage rates automatically plunge tomorrow, but it does create a short-term window where home buying opportunity and preparation meet.
Your goal isn’t to time perfection—it’s to move when your personal and financial “green lights” are aligned. This edition of Noyack Wealth Weekly teaches you how.
📊 Quick Poll: What’s Your Plan Regarding Buying a Home After Fed Rate Cuts?
- I’m ready to buy now – the lower rates make it the perfect time.
- I’m still hesitant but keeping an eye on the market in case prices drop more.
- I plan to wait and see – I need more stability before making a decision.
- I’m holding off on buying for now – I don’t think the market is favorable yet.
- I’m not interested in buying at all, regardless of what happens with rates.
🎙️ The Noyack Expert Series
Last week, CJ sat down with Mark Zandi, Chief Economist at Moody’s Analytics, for an unfiltered look at the state of housing. If you’re trying to get a better idea of the market as a whole and where it might be going next, this is the expert take you can’t afford to miss.
This Week's Wealth Resources
Dual Credit Score Self Audit – Start preparing to buy your dream home with this quick downloadable worksheet.
Credit Dispute Checklist – Before you take out a mortgage, your ducks need to be in a row… and credit is where they often go astray. Our guide walks you through what you need to go.
Solo vs. Joint Application Assessment – Compare your loan situation in both scenarios and get a grasp on key elements that go into your mortgage.
Until next Sunday,
—CJ & The NOYACK Team
AccessGranted™
