The Real Estate Show

Radio Show Notes 10/29/25 Wednesday: 

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Midweek Market Report: Mortgage Rates Hit Lowest Level in a Year as 21-Day Challenge Gains Momentum

By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.

The Real Estate Show – Wednesday Midweek Mortgage & Market Report

Theme: The 21-Day Challenge – Shift Your Income, Scale Your Mindset, and Learn How To Stop Trading Time for Money

Date: Wednesday, October 29, 2025 | Week 44 – Day 302

“Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate.

My name is Eric Willner, known as The Voice of Real Estate and founder of America’s longest-running daily radio show about real estate and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.

This show is a virtual real estate seminar in every episode.”

 Setting the Stage: Everyone Is in Real Estate

“This is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show, and today we continue our theme for the week:

The 21-Day Challenge — In 21 Days Shift Your Income, Scale Your Mindset, and Learn How to Stop Trading Time for Money.

You’ve heard me say it before — and I’ll say it again:
 Everyone is in real estate.

Either you own it, or you’re on it.

If you’re IN real estate, it’s because you’ve made the move — you searched, negotiated, and closed on it. You’re enjoying the pride of ownership, the tax advantages, and the wealth-building benefits that come with owning real property.

But if you’re ON real estate, that means you’re paying those who own it — directly through rent, or indirectly through your employer’s rent on the space you work in.

And the truth is — that’s the biggest financial fork in the road.
Because for homeowners, paying off your mortgage means financial freedom. It means you can retire on less, live with more peace of mind, and have an asset that appreciates over time.

For renters, that same freedom requires building a massive nest egg just to keep pace with rising rent — a never-ending treadmill.”

 Theme Spotlight: The 21-Day Challenge

“So today, we’re going to tie our Midweek Market Report to our theme —

The 21-Day Challenge: How to Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money.

Because the data I’m about to share with you proves it —
When you have clarity and a plan, you overcome fear.
When you act with purpose, you win in real estate.

So let me kick things off with three ‘Did You Know’ questions to get your wheels turning…”

 Three “Did You Know?” Market Questions

1?? Did you know that mortgage rates have now fallen for five straight weeks — hitting their lowest point in more than a year, sitting today at just 6.18% for a 30-year fixed loan?

2?? Did you know that refinance activity is up 111% year-over-year — as more homeowners lock in lower rates, freeing up thousands in cash flow?

3?? Did you know that investors now account for one out of every three home purchases in America — the highest level in five years?

These aren’t random numbers — they’re powerful signals that real estate is stabilizing while opportunities are opening up.

Today’s show is about understanding what that means for YOU — and how the 21-Day Challenge can help you use these shifts to your advantage.”

 Before We Dive In – This Week’s Free Workshops

“Before we get into the meat of the show, let me remind you of this week’s special FREE workshops designed to help you implement what we teach here on the show.”

1?? 1st and 3rd Tuesdays – 8 PM: Path to Home Ownership Introduction – Online by Invitation.
Text PATH to 561-861-2366.

2?? Every Wednesday Night – 8:30 PM: Financial Edge Academy 101 Overview – Online by Invitation.
Text EDGE to 561-861-2366.

 “Do finances challenge you? Most people say YES!That’s why we built The Financial Edge — the education and the team that moves the needle.

We believe in a 3-pronged approach:
1?? Everyone should buy a home — be a homeowner.
 Everyone should have that home in financial order, with a written plan.
3?? Everyone should own a business that pays them and gives them tax benefits.”

“We can be your Financial Team — text EDGE to 561-861-2366.”

 Market Update: Mortgage & Rate Trends

“Let’s talk numbers — because the data tells the story.”

According to BankRate.com, here’s the latest on the national mortgage landscape:

“Today’s national 30-year fixed mortgage rate is 6.18%, down 4 basis points from last week.
The 15-year fixed sits at 5.55%, and the 10-year fixed is averaging 5.49%.

Top offers are now 0.72% lower than the national average, saving borrowers roughly $1,883 annually on a $340,000 loan.”

That’s five weeks of steady, small declines — and more importantly, stability.

The 10-year Treasury yield — the benchmark for mortgage rates — has bounced above 4% again, but economists are predicting another Fed rate cut by the end of the month.

That could mean lower borrowing costs, and better opportunities for both homeowners and investors.

 The Opportunity Window

“Here’s the bottom line:

Whether you need a mortgage now or plan to in the next year, this is the time to prepare.

Get your PQ — Pre-Qualification — and see where you stand.

Because in this rate environment, the informed buyer wins.

And by the way, we’ve got inside access to two new mortgage products that are about to hit the market — including one with down payment assistance and a soft credit pull.

Want to learn more? Just text LOAN to 561-861-2366 — and our team will connect you with details before they’re public.”

 Article Spotlight #1: Mortgage Rates Drop to Lowest Level in a Year

Headline: “Mortgage rates drop to the lowest level in over a year, pushing refinancing 111% higher annually.”

Key Points:

• 30-year fixed rates decreased from 6.23% to 6.18%.
• Purchase applications rose 5% this week and are 20% higher than last year.
• Refinances jumped 111% year-over-year.

 Eric Willner:
“This is what I’ve been saying for weeks — when rates come down, the smart money moves fast.

Mortgage application volume jumped 7.1% last week. Homeowners are refinancing, buyers are returning, and investors are reloading.

Joel Kan from the Mortgage Bankers Association noted, ‘This recent decline in rates spurred the second consecutive week of increased refinance activity, driven mainly by conventional refinances.’

And with the average loan size of nearly $400,000, borrowers are saving thousands a year by locking in now.

Now, here’s where it ties directly into our 21-Day Challenge — it’s all about mindset and motion.

Most people hesitate. They wait for ‘perfect timing.’
But the winners in real estate are the ones who act when everyone else is waiting.

That’s what the 21-Day Challenge teaches — disciplined, daily action.
Because even one move — like locking a lower rate — can shift your entire financial future.”

 MID-SHOW COMMERCIAL BREAK

 “You’re listening to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest-running daily show about real estate.

Today’s show is brought to you by TimeToFixMyCredit.com — helping you turn your credit into capital and your dreams into ownership.

Text CREDIT to 561-861-2366 to get started today.”

 [Short music bed transition – upbeat instrumental]

 Article Spotlight #2: Investors Are Back in the Game

Headline: “Investors are making up the highest share of homebuyers in 5 years.”

Key Points:

• Investors bought one-third of all homes in Q2 2025.
• Up from 27% in Q1 — the highest in five years.
• Institutional investors are selling, small investors are buying.

 Eric Willner:
“Now, this one is fascinating — because it reveals the heartbeat of the market.

When investors increase their share, it means confidence is back.

Yes, overall sales are down — but the smart money sees opportunity.
That’s why I always tell listeners: follow what investors do, not what they say.

According to CJ Patrick Co., small investors — folks with under 10 properties — make up 90% of all investor-owned homes.

And they’re the ones buying right now.

Meanwhile, big institutional players are selling and shifting into build-to-rent communities.

Why does that matter? Because it means less competition for individual buyers and small investors.

Rick Sharga, CEO of CJ Patrick Co., summed it up perfectly:

‘This shift means less competition for small investors and traditional homebuyers, while also adding more rental supply, which is needed in today’s market.’

That’s great news if you’ve been waiting for your entry point.
Inventory is improving, rates are easing, and you can position yourself to win if you take action now.

That’s what our 21-Day Challenge is all about — small actions that compound into real results.”

 Market Takeaway: Stability Is Opportunity

“So what’s the takeaway from today’s report?

Rates are down. Investor activity is up. And the economy — while mixed — is providing breathing room for those who plan smart.

This is the time to review your credit, tighten your plan, and prepare for the next buying window.

And remember — financial freedom isn’t just about owning real estate. It’s about owning your time.

That’s what happens when you stop trading time for money and start letting your money — and your properties — work for you.”

 Mid-Show Call to Action #2

“Don’t do this alone — we can help.

Text EDGE to 561-861-2366 to join tonight’s Financial Edge Academy Live Workshop.
We’ll break down today’s mortgage data, walk you through credit strategies, and show you how to make this market work for you.”

 Recap and Closing Thoughts

Let’s wrap today’s Midweek Mortgage & Market Report with a quick recap:

 Mortgage rates are down to 6.18% — the lowest in over a year.
 Refinances are up 111%, proving buyers are getting proactive.
 Investors now account for 33% of home sales, showing strong confidence.
 Market stability = opportunity for first-time buyers and small investors. The key? Have a plan — and act on it.

 “Whether you’re refinancing, buying, or just getting started — The Real Estate Show is here to help you win.

Don’t just listen. Use this information.
Because this show isn’t about entertainment — it’s about transformation.”

 Closing Segment

“Thank you for tuning in to The Real Estate Show – The Wednesday Midweek Mortgage & Market Report Edition.

I’m Eric Willner, The Voice of Real Estate, reminding you that real estate remains the IDEAL Investment:

I – Income
D – Depreciation
E – Equity
A – Appreciation
L – Leverage

Join us again tomorrow for The ATM Edition – About The Money, where we’ll show you how to use these strategies to build your wealth faster and smarter.

And remember — share this show with someone who should own real estate.
Because when you own real estate, you own your future.”

“Catch replays, transcripts, and resources anytime at AutomaticLandlord.com.
And text EDGE to 561-861-2366 to join our next Financial Edge Workshop.”