Welcome back, Noyackers!

The Fed just cut rates for the first time this year — but the real story isn’t what you think. For high earners, the next 60–90 days could be a rare opening to act. The key isn’t chasing the “perfect” rate—it’s knowing what steps give you an edge before the market catches on.

Inside, we break down:

• What the cut really means for mortgages

• The 3 signals that say “go” or “wait”

• A simple framework to decide if now’s your time

But here’s the catch: the market won’t wait. Competitors are already circling the same properties you’ve bookmarked, and lenders won’t all price the cut the same way. If you want to make the most of this window, you need to know how to position yourself before the next shift. The playbook inside shows you exactly how.

🎙️ 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
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