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Interest rates have improved following a favorable jobs report, while Fannie Mae and Freddie Mac are expanding appraisal waivers to loans with lower down payments and high credit scores.

• Interest rates dropped about a quarter point (60 basis points) after Friday's favorable jobs report
• Fannie Mae and Freddie Mac redefining appraisal waiver algorithms
• Plans to extend appraisal waivers to loans with lower down payments but high credit scores
• These changes will roll out in late 2025 into 2026

Agents - Take Action Today!
• National Night Out presents visibility opportunities for agents
• Community engagement ideas include school supply drives and local event sponsorships
• Plan fourth quarter activities now before vendors are booked

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