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Weekly Market Commentary - For the Week Ending 3/27/26

Tue, 31 Mar 2026 15:56:00 GMT

rates UP Again This Week, LOWER Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 3/27/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Interest rates continued to move back up this week driven by new inflation fears, rising oil prices and continued geopolitical tension from the war in Iran. The 10YR CMT has been rising and is now running in the mid 4% range again. And mortgage rates continue moving back up from earlier lows and are now running in the mid 6% as well.

The FED has indicated it will keep assessing data and future risks before making any changes. But, based on the continued inflation fears and higher energy prices, most analysts are now indicating that the two predicted rate cuts that were expected this year are now basically off the table and there are talks of possible rate hikes being discussed for later this year.

March flash PMI data shows business activity slipping to an 11-month low, indicating slower growth but stickier inflation. This is the kind of data that keeps the interest rate market uneasy and is another factor driving rates higher currently. Jobless claims came in at 210,000 for the week, showing a continued cooling labor market, but not enough to offset inflation pressures.

For Reverse Mortgage Professionals, it continues to be important to shift the conversation away from “waiting for the perfect rate” and back towards the bigger planning questions of does this loan solve cash flow concerns, preserve cash, avoid monthly payments, help you purchase a new home with no payments and as a tool to decrease drawing down investments to quickly.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.27% for this week and has continued its move back up this week. We will see an increase of around 11-13 bps in the Expected Rate next week! Unfortunately, this will have a NEGATIVE IMPACT on the Expected Rate and will result in LOWER Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of about 11-13 bps for next week. And, this INCREASE will have a NEGATIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings, we would suggest TAKING APPLICATIONS AND SCHEDULING CLOSINGS NOW BEFORE RATES GO UP AGAIN NEXT WEEK SO THAT YOU CAN “LOCK-IN” HIGHER BENEFIT AMOUNTS BEFORE THEY DECREASE NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 3/31/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - 2026 Volume 4

Thu, 26 Mar 2026 16:32:53 GMT

Create a 5-Week Email Drip Campaign to Identify New Reverse Mortgage Customers from Your Existing Database!

Welcome to the 4 ^th edition of the 2026 SimpleReverse Marketing Minute!

One of the most common questions I get from Loan Officers is “how can I proactively market for new potential reverse mortgage customers.”

In the past, we have discussed the 3 legs of the marketing stool….. Past Customers, Networking with Referral Partners/Other Professionals and Direct/Mass Marketing to Seniors.

This week, let’s take a look at one specific form of Direct Marketing, both directly to seniors and your referral partners.

SimpleReverse is offering to you a pre-designed 5 Week Drip Email Campaign that you can take and “plug and play” into your CRM to create a “set it and forget it” marketing campaign that you can send to both your current, past and prospective customer database’s; as well as to your entire network of referral and professional partners.

This campaign includes topics like:

1. The New Retirement Reality

2. The “Standby” Line of Credit

3. The “Silver Downsize”

4. Portfolio Defense

5. The “Just in Case” Follow-Up

It is our goal to provide the tools and resources to help you discover new potential opportunities where a reverse mortgage could help solve your customer’s financial concerns. This is just one way we think could help you continue to build your pipeline of new loans!

If you would like access to this Drip Marketing Campaign , the Reverse Mortgage Myths vs. Reality handout or would just like to have a conversation about marketing for Reverse Mortgages in general , please reach out to me directly to request the material or to start a conversation.

SimpleReverse is here to help! We have the tools, resources, training and support to help you understand and learn how you can position a Reverse Mortgage as the right tool to solve your customer’s financial concerns.

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary - For the Week Ending 3/20/26

Thu, 26 Mar 2026 16:22:04 GMT

Rates UP Again This Week, But NO Changes to Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 3/20/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

As everyone knows by now, the FED kept rates unchanged after their March meeting this week. This news caused mortgage rates to tick back up this week, while also pushing the 10YR Treasury back up further as well.

The FED remains cautious as there are still signs of sticky inflation and higher energy-related concerns due to the continued conflict in the Middle East. Chair Powell also indicated that higher energy prices are likely to push up headline inflation in the near term.

February CPI data was relatively steady coming in at 2.4% for headline numbers and 2.5% for core inflation numbers. However, producer inflation (PPI) rose 0.7% to 3.4% year over year, reinforcing the idea that inflation pressures have not fully disappeared. Labor markets are also part of the story, and even though payrolls declined and unemployment held steady at 4.4% indicating a softening labor market; the continued inflation concerns are offsetting those numbers.

All of this data is keeping the markets from getting optimistic about faster rate cuts this year. So, we don’t expect to see any movement in rates in the short-term, at least as long as Chair Powell remains in control, but that will also change come early summer with a new FED Chair that could change the direction of the FED.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.21% for this week and has continued its move back up this week. We will see an increase of around 5-7 bps in the Expected Rate next week! However, this will have NO IMPACT on the Expected Rate and will result in the SAME Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of about 5-7 bps for next week. However, this INCREASE will have NO IMPACT on Benefit Amounts for next week . So, if you have applications or closings, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 3/24/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary - For the Week Ending 3/13/26

Fri, 13 Mar 2026 16:42:46 GMT

Rates UP Again This Week, LOWER Benefit Amounts Next Week!

Happy Friday the 13th!!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 3/13/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates moved higher this week due to a bond market sell-off, and the 10YR Treasury continued its move back up this week as well; but mortgage activity remains stronger as rates do remain better positioned than this time last year.

Inflation concern tied to higher energy prices and continued geopolitical tensions continue to be major drivers of the markets this week. February CPI numbers came in as expected this week with headline inflation at 2.4% and Core CPI at 2.5%, but markets remain focused on what could happen next as oil and gasoline prices climb amid the conflict in the Middle East.

Rates continue moving higher as the markets are repricing inflation risk into the formula and have begun demanding more yield for their investments. However, PCE inflation numbers came in as expected today which has helped ease the markets slightly, but investors are still weighing softer growth versus “still-sticky” inflation numbers.

For Reverse Mortgage Professionals, it’s important to shift the conversation away from “waiting for the perfect rate” and back towards the bigger planning questions of does this loan solve cash flow concerns, preserve cash, avoid monthly payments, help you purchase a new home with no payments and as a tool to decrease drawing down investments to quickly.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.10% for this week and has continued its move back up this week. We will see an increase of around 8-10 bps in the Expected Rate next week! Unfortunately, this will have a NEGATIVE IMPACT on the Expected Rate and will result in LOWER Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of about 8-10 bps for next week. This INCREASE will have a NEGATIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings, we would suggest TAKING APPLICATIONS AND SCHEDULING CLOSINGS NOW BEFORE RATES GO UP NEXT WEEK SO THAT YOU CAN “LOCK-IN” HIGHER BENEFIT AMOUNTS BEFORE THEY DECREASE NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 3/17/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - 2026 Volume 3

Fri, 13 Mar 2026 16:40:05 GMT

Helping a "Stuck" Reverse Mortgage Customer Move Forward!

Welcome to the 3 ^rd edition of the 2026 SimpleReverse Marketing Minute!

We have all talked with customers who see the benefits of a Reverse Mortgage but get “stuck” for some reason and have a hard time moving forward with the loan. This week, let’s take a look at how we can help a “stuck” customer move forward with this beneficial loan!

When a borrower gets “stuck” and is having a hard time moving forward with the loan, the goal is not to push harder. It is to uncover what is causing the pause and help the customer feel clear, safe and confident enough to make the decision to move forward.

Most stalled reverse mortgage loans come from one of these 5 issues:

1. Fear of making a mistake

2. Family influence or outside opinions

3. Confusion about how the loan really works

4. Feeling overwhelmed by too many details or steps

5. Not seeing enough urgency to act now

The best opening question to ask is not “Are you ready to move forward,” but instead try asking “It sounds like you’re interested, but something is still holding you back. What feels unresolved to you?” This question better gets to the real reasons behind the borrower’s apprehension.

Some other questions you can ask to help “unstick” the conversation and the process include:

· What would need to happen for you to feel comfortable moving forward?

· What question have I not answered clearly enough?

· On a scale of 1 to 10, how comfortable are you with this? What would help move you one point higher?

· Is this a no, or is this a not yet?

· Are you stuck on the product, the timing or the decision itself?

One other way to reframe the conversation is:

· The question is not whether you love the idea of a reverse mortgage. The question is whether this helps you accomplish what you said matters most…. “more cash flow, less monthly strain, more flexibility and/or less pressure on your retirement assets.”

Hopefully, this helps give you some new ideas or another perspective of questions to ask your borrowers to help “unstick” them and start a conversation to find out what is really preventing them from moving forward! And News Flash: it’s usually NOT rates or fees!!

Stay tuned next time as we dive into some more specific ways to address and handle the “Most Common Stalls” that we identified above!

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary - For the Week Ending 3/6/26

Fri, 06 Mar 2026 16:28:44 GMT

Rates UP This Week, LOWER BEnefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 3/6/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates remained relatively stable this week, but the 10YR Treasury did move back up this week off of its recent lows. But, rates do remain lower than they were at this time last year.

The biggest market drivers for this week were a mix of stronger inflation signals and renewed concerns of economic uncertainty. Higher energy prices and geopolitical tensions caused by the recent conflict with Iran continue to add to inflation concerns.

Today’s labor report shows the US economy lost jobs in February and the unemployment rate rose to 4.4%, which would normally push yields lower. However, the market reaction was muted as investors continue to weigh weaker labor data against sticky inflation numbers, higher energy prices and continued uncertainty around the FED’s next move. Markets continue to dial back any near-term expectations for upcoming FED rate cuts.

For Reverse Mortgage Professionals, now continues to be the time to position reverse mortgages as a way to solve cash flow concerns, preserve cash, avoid monthly payments, purchase a new home with no payments and as a tool to decrease drawing down investments to quickly. Also, pay attention to upcoming inflation data, energy prices, any labor market deterioration and FED expectations; as these are the driving factors for the direction of the 10YR CMT and ultimately benefit amounts for borrowers.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.02% for this week and has moved back up this week. We will see an increase of around 6-8 bps in the Expected Rate next week! Unfortunately, this will have a NEGATIVE IMPACT on the Expected Rate and will result in LOWER Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of about 6-8 bps for next week. This INCREASE will have a NEGATIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings, we would suggest TAKING APPLICATIONS AND SCHEDULING CLOSINGS NOW BEFORE RATES GO UP NEXT WEEK SO THAT YOU CAN “LOCK-IN” HIGHER BENEFIT AMOUNTS BEFORE THEY DECREASE NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 3/10/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgages Can Open the Door to Better Retirement!

Wed, 18 Feb 2026 19:49:39 GMT

You are not just closing loans – you are opening the door to a better retirement!

Reverse Mortgages have the ability to change lives for many seniors who are struggling with the financial realities of increasing expenses….higher healthcare costs, higher grocery bills, higher insurance, higher prescription costs and much more!

Go find a senior today whose story you can help change for the better because you showed up with a tool to help!

Here at SimpleReverse, a division of Luminate Bank, we have the tools, resources and expertise to help you change lives every day! Give me a call to learn how offering Reverse Mortgages to your senior customers can help change lives and make YOU the difference maker many seniors are looking for!!

The team is here to help you grow your business this year!

Reverse Mortgage Marketing Minute - 2026 Volume 2

Wed, 18 Feb 2026 19:45:54 GMT

Reverse Mortgages Can Help Solve Family Life Events!

Welcome to the 2 ^nd edition of the 2026 SimpleReverse Marketing Minute!

Most Reverse Mortgage customers are NOT “shopping” for a reverse mortgage. They are reacting to a life moment!

Every day, you are speaking with your customers, potential customers, professional referral sources and many others about the tools you have available to help solve financial problems. Reverse Mortgages can be a great solution to many of the financial obstacles that our senior borrowers and their families face every day. The key as a mortgage professional is to be listening and paying attention to the signs you hear in everyday conversations so that you can recognize the opportunities to help provide these solutions to the families you serve.

Here are some of the best “triggers” or signs to be listening and watching for so that you can find opportunities where a Reverse Mortgage could help “solve a problem” for one of your customers, their parents, grandparents or other family members that you help on a daily basis:

Top 10 Reverse Mortgage Conversation “Triggers”

1) Paying off a current mortgage with retirement income

2) New/Rising credit card debt in retirement

3) Income loss from a spouse passing away

4) Income reduction from retirement or the loss of a job

5) Looking for money for home repairs, deferred maintenance, roof issues, HVAC problems or home accessibility issues

6) Rising property taxes & insurance costs

7) Adult children helping their parents pay their bills

8) Family discussions about living situations and finances for elder parents

9) Clients pulling from the IRAs/401(k)s too aggressively

10)Looking to buy a new retirement home but don’t want a monthly payment

So, if you have customers with any of the above concerns, a Reverse Mortgage could be a great solution for them and their families to learn about.

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary - For the Week Ending 2/13/26

Wed, 18 Feb 2026 19:43:45 GMT

Rates Down This Week, HIGHER Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 2/13/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

As a reminder, ALL SimpleReverse offices will be closed on Monday, February 16 ^th in observance of the Presidents Day federal holiday!

Market Update:

Mortgage rates continue to trend downward and the 10YR Treasury moved down towards the low end of 4% this week. The markets continue to reflect a “FED on hold” policy when it comes to upcoming rate changes and the FED continues to reiterate that any upcoming rate decisions will be data driven.

The big news today was the release of the CPI numbers for January. Headline CPI came in at 2.4%, down from December’s 2.7% figure and below expectations. Core CPI came in at 2.5%, also below expectations. These figures show that inflation continues to ease, moving closer to the FED’s 2% target.

These figures tend to reduce pressure on long-term yields and does give the FED some room for eventual rate cuts later this year. But this alone isn’t definitive, as ongoing labor market concerns and tariff effects could keep underlying inflation numbers from falling too fast.

For Reverse Mortgage Professionals, now continues to be the time to position reverse mortgages as a way to solve cash flow concerns, preserve cash, avoid monthly payments, purchase a new home with no payments and as a tool to decrease drawing down investments to quickly. Continue to educate referral partners and frame reverse mortgages as a real retirement planning and purchase tool and not just a last resort loan program.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.26% for this week and has been down significantly this week. We will see a decrease of around 9-11 bps in the Expected Rate next week! This will have a POSITIVE IMPACT on the Expected Rate and will result in HIGHER Benefit Amounts next week!

Based on the data from this week, we will see a DECREASE in the Expected Rate of about 9-11 bps for next week. This DECREASE will have a POSITIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings, you may want to WAIT UNTIL NEXT WEEK TO CLOSE OR TAKE APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS! With the President’s Day holiday on Monday, new rates for next week will not take effect until Wednesday, 2/18/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - 2026 Volume 1

Wed, 18 Feb 2026 19:41:35 GMT

Reverse Mortgages - Myths vs Truth!

Welcome to the 1 ^st edition of 2026 of the SimpleReverse Marketing Minute!

When you hear the words “reverse mortgage,” what is the first thing that comes to your mind? Because there are still a lot of myths out there that need to be addressed!

2026 is going to be the year of the Reverse Mortgage, so, as we welcome you all back for the first SimpleReverse Marketing Minute of 2026; we wanted to revisit the basics and address the Top 4 Myths vs Truth of the Reverse Mortgage industry!

Top 4 Myths vs Truth of the Reverse Mortgage Industry:

1) Myth #1 – The bank takes your house

a. Fact: Not true! You still own your home, your name stays on title and it’s just a loan – it’s just structured differently than a regular mortgage

2) Myth #2 – My kids are going to get stuck with the debt

a. Fact : Not true! Reverse Mortgages are non-recourse loans, which means your kids will never owe more than the home is worth. If there’s equity left, it goes to them. If not, they can simply walk away

3) Myth #3 – I can get kicked out of my home at anytime

a. Fact: Not true! As long as you live in the home, pay your property taxes, homeowners insurance and keep the home in decent shape, no one can force you out. And, there is no set time frame for how long a Reverse Mortgage can be in effect

4) Myth #4 – Reverse Mortgages are only for people struggling to make ends meet

a. Fact: Not true! A lot of retirees who are doing just fine use them as a strategic tool – to lower monthly expenses, to avoid selling investments, to enhance their retirement lifestyle or just to give themselves more breathing room

Reverse Mortgages aren’t considered good or bad – they are just a tool! And like any tool, they make perfect sense when used in the right situation for the right borrower!

SimpleReverse is here to help! We have the tools, resources, training and support to help you understand and learn who can be the right borrower for the reverse mortgage tool and how to successfully sell this product to your customers.

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary - For The Week Ending 2/6/26

Wed, 18 Feb 2026 19:35:56 GMT

Rates Up Slightly This Week, NO Changes to Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 2/6/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates continue to visit recent lows and the 10YR Treasury is holding steady in the low 4% range. Thoughts about upcoming rate cuts should be tempered as the FED remains in a holding pattern and has reiterated a wait and see approach driven by upcoming data and numbers.

Markets are waiting on the next CPI release, due in mid-February, to see where new inflation numbers fall. If inflation numbers come in higher, expect a move up in long-term rates, if numbers come in lower, we could see some further downward movement on the rate side.

The labor markets continue to see more cooling, as recent jobs reports show an increase in initial jobless claims this past week. The data does support the environment of recent low-hiring and low-firing, suggesting the labor market is still cooling, but not collapsing. Long term rates care about this since a slower labor market but not a recession lend to a steeper yield curve where rates could remain elevated even with eventual rate cuts from the FED.

In the current environment, there is as much focus on the growing debt and shifting expectations around long-term demand for US Treasuries as there is on future growth optimism of the overall economy. Read into this as continued market uncertainty. As you know, the markets react unfavorably to uncertainty in the market, and recent commentary points to added uncertainty around future FED leadership, balance sheet expectations around Treasury demand and volatility and the growing national debt and how that impacts our standing in the overall world economy.

For Reverse Mortgage Professionals, with no expectation of sudden rate drops, now is the time to be positioning reverse mortgages as a way to solve cash flow concerns, preserve cash, avoid monthly payments, and as a tool to decrease drawing down investments to quickly. Continue to educate referral partners and frame reverse mortgages as a real retirement planning tool and not just a last resort loan program.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.24% for this week and has been up slightly this week. We will see an increase of around 2-4 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in NO CHANGE to Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of about 2-4 bps for next week. This DECREASE will have NO IMPACT on Benefit Amounts for next week. So, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! As usual, new rates for next week will take effect on Tuesday 2/10/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary - For The Week Ending 1/30/26

Wed, 18 Feb 2026 19:33:11 GMT

Rates Down This Week, NO Changes to Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 1/30/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates continue to hold near recent lows and the 10YR Treasury is holding steady in the low 4% range after the FED held rates steady this week and positioned for an extended pause on any further rate cuts as risks for both of it’s mandates – inflation and employment – are receding.

In other news regarding the FED this morning, President Trump announced that he is nominating Kevin Warsh as the next FED Chair. Warsh has prior FED experience and brings a past hawkish stance on inflation. Reactions in the bond market were mixed on this news. For the time being the FED looks poised to leave rates on hold, but Warsh could build a consensus for policy easing later this year after he takes the helm, especially if inflations starts to cool..

Markets continue to expect one to two rate cuts this year, especially after the news of Warsh’s nomination. However, growth and inflation numbers moving forward will remain critical in determining the FED’s next steps and the markets are anxious to see how Warsh’s leadership style and influence over the FED will play out after he takes control this summer.

For Reverse Mortgage Professionals, with rates still off their highs and the 10YR CMT in a more manageable range, you are better positioned to revisit past leads, educate referral partners and frame reverse mortgages as a real retirement planning tool and not just a last resort loan program.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.27% for this week and has been down slightly this week. We will see a decrease of around 2-4 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in NO CHANGE to Benefit Amounts next week!

Based on the data from this week, we will see a DECREASE in the Expected Rate of about 2-4 bps for next week. This DECREASE will have NO IMPACT on Benefit Amounts for next week . So, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! As usual, new rates for next week will take effect on Tuesday 2/3/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 1/16/26)

Wed, 18 Feb 2026 19:27:37 GMT

Rates Up Slightly This Week, NO Changes to Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 1/16/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates continue drifting lower this week and the 10YR Treasury is holding steady around the 4.2% mark, up from earlier in the week, but still below its levels from a year ago.

The markets are still digesting the first CPI and PPI numbers of 2026, which both confirm inflation is cooling toward the high 2% range but not back to its target. December jobs numbers came in with a modest 50,000+ increase and unemployment ticked down to 4.4%. The FED is widely expected to hold rates steady at its late January meeting, emphasizing that policy is in a good place and future moves will be deliberate and data-dependent.

Markets continue to be driven by the economic data (jobs & inflation), FED messaging around rate expectations and global market forces of continued geopolitical tensions and international growth concerns. This continues a drive towards increased demand for US Treasuries as a “safe-haven” which tends to push yields lower that can put soft downward pressure on mortgage rates.

For Reverse Mortgage Professionals, with rates off their highs and the 10YR CMT in a more manageable range, you are better positioned to revisit past leads, educate referral partners and frame reverse mortgages as a real retirement planning tool and not just a last resort loan program.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.17% for this week and has been relatively steady this week. We will see an increase of about 1 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in NO CHANGE to Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of 1 bps for next week. This INCREASE will have NO IMPACT on Benefit Amounts for next week. So, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! With the Martin Luther King holiday on Monday, new rates for next week will not take effect until Wednesday, 1/21/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 1/9/26)

Wed, 18 Feb 2026 19:22:43 GMT

Rates Up Slightly This Week, NO Changes to Benefit Amounts!

Happy New Years and welcome back to the first edition of the SimpleReverse Weekly Market & Interest Rate Update for 2026! As many of you know, this is a weekly update sent out every Friday giving you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

This week markets have been reacting to mixed economic data and shifting investor sentiment. Stocks in the U.S. have shown modest gains as traders digest recent labor figures that came in below expectations, reinforcing expectations that the Federal Reserve may hold interest rates steady in the near term rather than cut them immediately. Recent job growth was lower than forecast, although the unemployment rate ticked down, contributing to the idea that the labor market may be slowing but not weakening sharply — a key factor in the Fed’s rate deliberations.

At the same time, equity funds have seen outflows amid geopolitical and rate concerns , with investors rotating into bonds and money markets for safety. This reflects broader caution as market participants weigh future monetary policy moves against ongoing economic uncertainty.

Overall, market performance remains influenced by economic indicators (jobs, inflation), geopolitical developments, and rate expectations . With inflation data and labor reports continuing to guide expectations, the consensus leans toward rate stability in the near term , with potential Fed easing later in 2026 if economic conditions soften further.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.16% for this week and has been relatively steady this week. We will see an increase of 1-2 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in NO CHANGE to Benefit Amounts next week!

Based on the data from this week, we will see an INCREASE in the Expected Rate of 1-2 bps for next week. This INCREASE will have NO IMPACT on Benefit Amounts for next week . So, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 1/13/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - Volume 16

Wed, 18 Feb 2026 19:17:53 GMT

2025 - A Year In Review

Welcome to the 16 ^th and final edition of the SimpleReverse Marketing Minute for 2025!

As we come to the end of 2025 and start focusing on 2026 on how we will grow our business’ next year, I wanted to take a moment to look back over this past year of Marketing Minutes and review all of the sales ideas and strategies we discussed to help you grow your reverse mortgage business moving forward (just in case you missed any of them!)

This past year, we touched on many topics as part of our SimpleReverse Marketing Minute:

1) Introduction of the “This IS a Reverse Mortgage Customer” Series highlighting real life examples of how borrowers used a Reverse Mortgage to enhance their retirement

a. Volumes 4, 5, 6, 7, 12, 13 & 15

2) Who Are the Potential Reverse Mortgage Customers You Already Know and How to Mine Your Current Database to Find Them

a. Volumes 1 & 11

3) Where to Find Your Next Reverse Mortgage Customer

a. Volume 3

4) The Benefits of Educating and Working with Realtors on the Reverse for Purchase Program and How Baby Boomers are the Largest Segment of Buyers

a. Volumes 2 & 8

5) 10 Reasons Every Mortgage Professional Should be Offering Reverse Mortgages

a. Volume 9

6) HECM vs HELOC and the Advantages of a HECM

a. Volume 10

7) Reframing Your Thinking – The Old Reverse Mortgage vs The New Retirement Mortgage

a. Volume 14

As you start building your marketing strategies to grow your Reverse Mortgage business in 2026, I encourage you to revisit some of these sales ideas to refresh your thoughts on all of the ways to find and access potential Reverse Mortgage customers next year. All of these Marketing Updates are available on the “Marketing Updates” section of our website at www.gosimplereverse.com/blog or feel free to reach out directly to me and I can resend any of the past updates to you!

Here at SimpleReverse, we are here to help! If its marketing tools, marketing ideas, product training, scenarios or just a basic question; we are here as a resource to help you expand your knowledge and grow your business!! Don't hesitate to reach out today for any of your reverse mortgage needs!!! SimpleReverse is here to make the reverse mortgage product and YOUR reverse mortgage business SIMPLE, EASY and EFFICIENT for both you and your customers!!

Give me a call TODAY and we can help you experience the SimpleReverse DIFFERENCE!!

Reverse Mortgage Marketing Minute - Volume 15

Mon, 15 Dec 2025 13:49:12 GMT

This IS A reverse Mortgage Customer!

Welcome to the 15 ^th edition of the SimpleReverse Marketing Minute!

This week, we are re-visting our series called “This IS a Reverse Mortgage Customer!” In this series, we have been highlighting actual customer scenarios and how the reverse mortgage proved to be a great solution for them.

Reverse Scenario:

· Larry & Julie are 70 years old, owe $75,000 on their $550,000 with a $1,200 monthly payment.

· They are looking for about $50,000 on a HELOC in order to remodel their kitchen.

· They are living comfortably in retirement but don’t really have the savings to pay for these improvements on their own and they don’t have a “rainy day fund” should any unexpected expenses come up.

So, the LO suggested a Home Equity Conversion Mortgage as a possible alternative for them instead of a traditional HELOC. This option would provide Larry and Julie with the following benefits:

· They would qualify for a $208,000 HECM LOC after fees and expenses.

· With the HECM, the first $75,000 of the LOC is used to pay-off the existing mortgage, freeing up $1,200 a month for them in additional income since they are no longer required to make a monthly P&I payment on the HECM

· They can then access almost $42,000 cash at closing to be used to remodel their kitchen

· And, additionally, they have another $91,000 in LOC funds that are available to them after 12 months. These funds are now available for them to create that “rainy day fund” that are available to them for any unforeseen expenses that may come up in the future

· All of this is available to them without the requirement of a required monthly mortgage P&I payment. (Note: The borrowers are only required to continue living in the home and pay their annual property tax and homeowners insurance bills)

· All of this was achieved by using the HECM as part of an overall home equity financial strategy and not “just a loan” or a “transaction”

If you have customers like Larry and Julie that could benefit from using a Home Equity Conversion Mortgage (reverse mortgage) to solve their financial situations, give me a call TODAY and let’s discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you experience the SimpleReverse DIFFERENCE!!

Reverse Mortgage Marketing Minute - Volume 14

Fri, 12 Dec 2025 17:50:14 GMT

Reframe Your Thinking - The New Retirement(Reverse) Mortgage!

Welcome to the14 ^th edition of the SimpleReverse Marketing Minute!

It’s time to start thinking about Reverse Mortgages in a new way! It’s time to reframe your thinking from the “old” Reverse Mortgage to looking at them in a new light, as a Retirement Mortgage for Seniors!

The Old Way of Thinking About Reverse Mortgages :

1. Loan of Last Resort

2. Only for the poor/broker customer

3. For customers who don’t have enough income to live on

4. For customers who didn’t save for retirement

5. Only for borrowers with no heirs who don’t want to leave any equity for family

The New Way of Thinking About Retirement (Reverse) Mortgages:

1. Retirement Mortgage or a Home Equity Conversion Mortgage

2. A Financial Tool

a. Asset Creation, Asset Preservation and/or Standby Line of Credit

3. Flexible Payment Option Loan with a growing LOC all in one loan

4. Home Purchase

5. Aging in Place Tool

As we begin business planning for what is going to be a great 2026, now is the time to recalibrate your thinking about reverse mortgages and begin to “Reframe Your Thinking” and your conversations about the new Retirement (Reverse) Mortgage and how it can be used as a financial tool for ALL seniors, whether it be to increase monthly income in retirement or as a financial strategy to preserve and grow wealth for the next generation!

In the coming weeks you will see a new LinkedIn Series for Loan Officers detailing a new way to “Frame Your Thinking” about the new Retirement (Reverse) Mortgage and the many tools and resources available to help you grow your business in a new way!

The senior market continues to grow and many are looking for new ways to use their home equity to enhance their retirement! Now is the time to truly embrace this new Retirement (Reverse) Mortgage product for seniors and discover ways that you can use it to enhance your business and grow your production now and in 2026 and beyond!

SimpleReverse is here to help! We have the tools, resources, training and support to help you understand and learn how to successfully sell this product to your customers.

Reach out to me TODAY to learn more about how you can add the new Retirement (Reverse) Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary (For the Week Ending 12/12/25)

Fri, 12 Dec 2025 17:39:32 GMT

Rates Up This Week, But NO Changes to Benefit Amounts!

The 10YR CMT continued moving up this week, so we will see an INCREASE in the 10YR CMT for next week. However, this will result in NO CHANGE to BENEFIT AMOUNTS next week!

The 10YR CMT currently sits at 4.10% for this week, and we will see another increase of 5-7 bps in the Expected Rate next week! This will have a NEGATIVE IMPACT on the Expected Rate, but will result in NO CHANGE to Benefit Amounts next week!

As you know by now, the FED did cut its benchmark rate by another 25bps this week, marking its third straight rate reduction this year. Officials have differing opinions on the longer term path, but they did maintain projections for one cut in 2026. The FED did indicate in remarks that we will probably see a pause from any further easing to start the year and that we will be in a holding pattern in the short term.

The updated “dot plot” from the FED, which forecasts their views of rates in the coming years, showed a wide difference in views about where things should head in the future. Concerns over inflation to continue, as well as potential continued cooling in the job markets. Uncertainty over tariff-driven inflation remains high and indications are that the FED will be closely watching to see what extent these costs are passed on to consumers in 2026.

Many analysts still believe we will see potentially two rate cuts next year, but as the FED highlighted, their decisions will be based on the data that comes in over the next few months.

This week, the 10YR CMT Index is 4.10%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

12/8/25 12/9/25 12/10/25 12/11/25 12/12/25 (Intraday)

4.17 4.18 4.13 4.14 4.19

Based on the data from this week, we will see an INCREASE in the Expected Rate of 5-7 bps for next week. This INCREASE will have NO IMPACT on Benefit Amounts for next week . So, if you have applications or closings soon, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK TO APP OR CLOSE! As usual, new rates for next week will take effect on Tuesday, 12/16/25! As always, we are providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 11/7/25)

Fri, 07 Nov 2025 19:01:33 GMT

Rates Up This Week, Lower Benefit Amounts Next Week!

The 10YR CMT continued moving back up this week, so we will see an INCREASE in the 10YR CMT for next week. This will result in LOWER BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.06% for this week, and we will see another increase of 4-6 bps in the Expected Rate next week! This will have a NEGATIVE IMPACT on the Expected Rate and will result in LOWER Benefit Amounts next week!

With the government shutdown now in week six and officially the longest shutdown in US history, the markets are increasingly turning to private data to try to assess economic trends and the state of the economy in the absence of federal reporting numbers. Based on the various reports analysts are viewing, the overall theme is that the data supports a stable economy that should strengthen through 2026 but could experience a soft patch the longer the shutdown continues.

Bond markets are edging downward at the end of the week based on expectations that the FED will continue its easing cycle in order to boost a softening labor market. Markets are beginning to price in one more rate cut this year, with expectations of two more next year. The FED is predicting a slower pace of easing, but many analysts believe the potential for economic momentum to slow, based in part by the government shutdown, will force the FED to remain on track for three more cuts through next year.

This week, the 10YR CMT Index is 4.06%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE A NEGATIVE IMPACT on Benefit Amounts!

10YR CMT

11/3/25 11/4/25 11/5/25 11/6/25 11/7/25 (Intraday)

4.13 4.10 4.17 4.11 4.07

Based on the data from this week, we will see an INCREASE in the Expected Rate of 4-6 bps for next week. This INCREASE will have a NEGATIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings soon, we would suggest TAKING YOUR APPLICATIONS NOW BEFORE RATES GO UP NEXT WEEK SO THAT YOU CAN “LOCK-IN” HIGHER BENEFIT AMOUNTS BEFORE THEY DECREASE NEXT WEEK! New rates for next week will take effect on Wednesday, 11/12/25 due to the federal Veterans Day holiday! As always, we are providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - Volume 13

Thu, 06 Nov 2025 17:24:47 GMT

This IS a Reverse Mortgage Customer!

Welcome to the 13 ^th edition of the SimpleReverse Marketing Minute!

This week, we are continuing our series called “This IS a Reverse Mortgage Customer!” In this series, we will highlight actual customer scenarios and how the reverse mortgage proved to be a great solution for them.

Reverse Scenario:

· Maria is 62 years old and still owes $125,000 on her $500,000 home. She has a good job and intends to work for another 6 years, retiring at age 68.

· She has no problem making her $1,200/month P&I payment on her current mortgage (with a 5% interest rate), BUT she doesn’t want to have a mortgage payment after she retires and knows she can’t get her mortgage paid off before then.

· She is also concerned about having enough retirement savings to enjoy her retirement years.

So, the LO suggested she do a Reverse Mortgage now, paying off her current mortgage, AND continue making her same monthly payments on the Reverse Mortgage for the next 6 years until she retires. Here is why this is a great strategy for Maria:

· She qualifies for $160,000 Reverse Mortgage. This pays off her existing mortgage, gives her $10,000 cash at closing to pay off a credit card AND still gives her $25,000 in a LOC as an emergency fund.

· She continues making her $1,200 mortgage payment each month for the next 6 years. At retirement, she can stop making mortgage payments since monthly P&I payments are NOT required as part of the Reverse Mortgage

· With the LOC Growth feature on the reverse mortgage, dollar for dollar, those payments not only pay down the mortgage balance on the Reverse Mortgage, BUT it ALSO goes into and grows her Reverse LOC that she can access at anytime in the future.

· At retirement in 6 years, she stops paying on the Reverse Mortgage and she now:

o Only owes about $121,000 on her Reverse Mortgage (not much different than the roughly $95,000 she would still owe on the traditional mortgage without the required $1,200 payment!)

o Has a growing LOC that is now equal to about $142,000 and growing that she can use for retirement to supplement her other retirement income

o And NO LONGER has to make another P&I mortgage payment ever!

· All of this was achieved by using the Reverse Mortgage as part of an overall home equity financial strategy and not “just a loan” or a “transaction”

If you have customers like Maria that could benefit from using a Home Equity Conversion Mortgage (reverse mortgage) to solve their financial situations, give me a call TODAY and let’s discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you experience the SimpleReverse DIFFERENCE!!

Weekly Market Commentary (For the Week Ending 10/31/25)

Fri, 31 Oct 2025 21:03:57 GMT

Rates Up This Week, But NO Changes to Benefit Amounts!

The 10YR CMT edged back up this week, so we will see an INCREASE in the 10YR CMT for next week. But, this will result in NO CHANGE TO BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.00% for this week, and we will see an increase of 4-6 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in the SAME Benefit Amounts next week!

It’s a Friday Happy Halloween to everyone today!

As you know, we did get another 25bps rate cut from the FED yesterday, but the news coming from Chair Powell pushed the 10YR Treasury back up over 4%. The cause of this upward move to the 10YR primarily comes from Chair Powell’s comments stressing that another cut in December is not guaranteed, pushing the market odds of another December rate cut to less than 70%. This decision was not unanimous, as one FED Governor pushed for a larger cut, while another Governor voted to keep rates unchanged. This was the first split decision with dissents on both sides of a rate decision since 2019.

Further complicating matters is the ongoing Government Shutdown, now at 31 days and counting, which has created a data vacuum, making it more difficult for the FED to gauge true economic conditions. Chair Powell described the situation as “driving through fog, you slow down.” This signals continued caution by the FED, but many view these comments as an effort to preserve flexibility and manage market expectations as opposed to a prolonged pause as we move into November and December.

This week, the 10YR CMT Index is 4.00%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

10/27/25 10/28/25 10/29/25 10/30/25 10/31/25 (Intraday)

4.01 3.99 4.08 4.11 4.08

Based on the data from this week, we will see an INCREASE in the Expected Rate of 4-6 bps for next week. This INCREASE will have NO IMPACT on Benefit Amounts for next week . So, if you have applications or closings soon, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK TO APP OR CLOSE! As usual, new rates for next week will take effect on Tuesday, 11/4/25 and beyond! As always, we are providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Reverse Mortgage Marketing Minute - Volume 12

Thu, 30 Oct 2025 21:37:55 GMT

This IS a Reverse Mortgage Customer!

Welcome to the12 ^th edition of the SimpleReverse Marketing Minute!

Reverse Scenario:

· Jenny is 72 years old, owes $350,000 on her $750,000 home and wants to do a reverse mortgage to eliminate her $2,500/month mortgage payment.

· She has $2,500/month SSI and just retired, so her monthly income is less now and she wants to free up income in retirement to help with the expenses of maintaining her home.

· However, based on her age and current rates, she would only qualify for about $290,000 on a reverse mortgage on her current home, meaning she would have to bring about $60,000 cash to closing just to eliminate her current mortgage and she doesn’t have that.

So, the LO suggested she sell her current home and take the proceeds from her sale to purchase a smaller home with less maintenance. This would allow her to get into a home with less upkeep and eliminate the need for a monthly mortgage payments. The LO referred her to one of his Realtor Referral Partners(giving a referral and new business to the realtor partner!) to help with the transactions. So, the borrower decided to do that, and here is how it worked out for her. The benefits she received were:

· Sold her current home for $750,000, netting $350,000 after paying off the mortgage of $350,000 and associated fees and expenses

· Purchased a brand new $500,000 home(less upkeep and maintenance costs!) using $190,000 from a reverse mortgage, combined with $310,000 from the sale of her home

· Never has another P&I mortgage payment with the reverse mortgage and pays her own taxes and insurance moving forward. This reduced her overall monthly expenses

· AND, provided her with an additional $40,000 cash in the bank to use as an emergency fund and a cushion to help her improve her lifestyle moving forward giving her extra retirement money to help supplement her SSI and small retirement

· All of this was achieved because the LO wasn’t just looking at a possible “transaction” but took a holistic view of the situation and helped the customer find a real solution for her situation with the use of a reverse mortgage!

If you or your realtor partners have customers like Jenny that could benefit from using a Home Equity Conversion Mortgage (reverse mortgage) to solve their financial situations, give me a call TODAY and let’s discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you experience the SimpleReverse DIFFERENCE!!

Weekly Market Commentary (For the Week Ending 10/24/25)

Fri, 24 Oct 2025 19:39:53 GMT

Rates Down This Week, But NO Changes to Benefit Amounts!

The 10YR CMT continued is downward move this week, so we will see a DECREASE in the 10YR CMT for next week. But, this will result in NO CHANGE TO BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.02% for this week, and we will see a decrease of 3-4 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in the SAME Benefit Amounts next week!

Good news today as monthly CPI numbers came in today lower than expected. Estimates had annual CPI numbers coming in at 3.1%, but actual figures came in at 3.0% and core CPI ticked down to 3.0% as well. Analysts believe that these readings will keep the FED on track to cut interest rates again next week, marking the second straight month of cuts as the FED looks to support a further softening labor market.

In other news, the Federal Shutdown continues as we are now on day 24 of the shutdown with no end in sight as the two sides of the aisle haven’t been able to come to any agreements on a continuing resolution. Most agencies are still operating, however on skeleton crews, and most federal employees continue to go without paychecks as part of the shutdown. Most basic services from the government do remain operational at this time.

Trade tensions do remain as more tariffs are put into place, and there is a focus on relations and a possible meeting with China that will impact things moving forward. One tailwind for spending looming is the possibility of higher tax refunds for most Americans next year as a result of the One Big Beautiful Bill tax overhaul.

This week, the 10YR CMT Index is 4.02%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

10/20/25 10/21/25 10/22/25 10/23/25 10/24/25 (Intraday)

4.00 3.98 3.97 4.01 3.99

Based on the data from this week, we will see a DECREASE in the Expected Rate of 3-4 bps for next week. This DECREASE will have NO IMPACT on Benefit Amounts for next week . So, if you have applications or closings soon, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK TO APP OR CLOSE! As usual, new rates for next week will take effect on Tuesday, 10/28/25 and beyond! As always, we are providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 10/17/25)

Fri, 17 Oct 2025 16:32:53 GMT

Rates Down This Week, Higher Benefit Amounts Next Week!

The 10YR CMT moved down this week, so we will see a significant DECREASE in the 10YR CMT for next week. This will result in HIGHER BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.13% for this week, and we will see a decrease of 11-13 bps in the Expected Rate next week! This will have a POSITIVE IMPACT on the Expected Rate and will result in HIGHER Benefit Amounts next week!

As the Federal shutdown continues, the resulting data blackout has the markets guessing. We have now missed reports on retail sales, initial claims, CPI and PPI reports this week alone. With official numbers lacking, the markets are now relying on survey data and private sector indicators. Markets are betting that the FED will respond to this increased uncertainty around the economy by cutting rates, and many FED members are not discouraging this view.

Earlier this week, Chair Powell did hint at the possibility of another rate cut at its next meeting on October 29 ^th , part of the basis for the decreasing 10YR Treasury this week. He also reiterated that the path ahead is not straightforward, as inflation remains above their 2% target. However, there is still considerable downside risk as the labor markets do indicate a clear slowdown.

There are few signs coming from Washington that this gridlock will end anytime as we stretch into the third week of the shutdown. The record shutdown is 35 days, and the risks of this shutdown extending beyond that record are increasing as the repeated efforts in the Senate to end the shutdown have failed.

This week, the 10YR CMT Index is 4.13%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE a POSITIVE IMPACT on Benefit Amounts!

10YR CMT

10/13/25 10/14/25 10/15/25 10/16/25 10/17/25 (Intraday)

---- 4.03 4.05 3.99 4.00

Based on the data from this week, we will see a DECREASE in the Expected Rate of 11-13 bps for next week. This DECREASE will have a POSITIVE IMPACT on Benefit Amounts for next week . So, if you have applications or closings soon, we would suggest WAITING UNTIL NEXT WEEK TO CLOSE OR TAKE APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS! As usual, new rates for next week will take effect on Tuesday, 10/21/25 and beyond! As always, we are providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know!! Thanks for the partnership and Good Selling!!!

Marketing Minute - Volume 11

Thu, 16 Oct 2025 19:40:58 GMT

How to mine Your Current Database for Potential Reverse Mortgage Customers!

Welcome to the 11 ^th edition of the SimpleReverse Marketing Minute!

This week, we want to do a deep dive on how you can mine your current database to find new potential reverse mortgage customers! Baby Boomers are the fastest growing demographic, with over 10,400 seniors turning 65 every day in 2025 and you have potential customers that you can help by offering them access to the Home Equity Conversion Mortgage (Reverse Mortgage) whether you know it or not! Today, we will highlight some of the ways that you can find these potential customers right in your own database.

1) Blast Approach

a. This approach lets ALL of the customers and prospects in your database know that you offer reverse mortgages. This approach is a good first step and gets you in front of not only potential senior customers, but also the kids and grandkids of potential customers who are often helping their parents/grandparents with financial decisions in retirement.

i. Highlight what a Reverse Mortgage is and what are the benefits

ii. Discuss who is a reverse mortgage customer and/or use real life loan scenarios

iii. If you do a monthly newsletter or regular drip campaign to past customers, add something on Reverse Mortgages each month

2) Targeted Approach

a. This approach allows you to filter your current database to find the actual customers that can potentially be helped by offering them information and access to the Home Equity Conversion Mortgage (Reverse Mortgage) product with a more targeted or specific message just for them.

i . Core Filters

1. Age – 62+

2. Property Type – Primary Residence

3. Equity Position – 60%+ equity OR owned home for 10+ years

ii. Look for “Life Event Triggers”

1. Recent birthday making them 62+

2. Recent Refi Denial due to income or DTI issues

3. Borrowers close to mortgage payoff or paid off mortgage early

4. Clients who inquired about HELOCs, Equity Loans or Cash-Out Refi’s

5. Long-term customers who haven’t done a new loan in several years

iii. Segment by Relationship & Engagement

1. Past Refi or Purchase Clients now over 62

2. Email subscribers who consistently open your content

3. Re-Engage past leads that never closed from the past (might age qualify for a reverse mortgage now)

SimpleReverse is here to help! We have the tools, resources, training and support to help you understand and learn how to successfully sell this product to your customers. We can assist you with the content and/or messaging that can help you build a successful campaign to mine your current database and find your NEXT Reverse Mortgage loan!!

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary (For the Week Ending 10/3/25)

Fri, 03 Oct 2025 16:19:27 GMT

Rates Down This Week, But No Changes to Benefit Amounts!

The 10YR CMT moved back down slightly this week, so we will see a small DECREASE in the 10YR CMT for next week. But, this will result in NO CHANGE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.16% for this week, and we will see a decrease of 3-5 bps in the Expected Rate next week! However, this will have NO IMPACT on the Expected Rate and will result in the SAME Benefit Amounts next week!

As you all know, the Federal Government officially shutdown as of October 1 and will remain shutdown until Congress comes to agreement on a resolution to continue funding the government. Most non-essential government employees are being furloughed and non-essential services are on hold or delayed until funding is restored.

As a result of the shutdown, key labor market data that was due out this week will be delayed. Analysts were expecting the unemployment rate to remain steady at 4.3% with a modest uptick in new jobless claims. The labor market does appear to be cooling but not collapsing as unemployment is still relatively low and wage growth continues to outpace inflation.

While Government Shutdowns historically have had little lasting impacts on the overall economy, the delays caused in economic reporting will give the FED less data on the overall health of the economy as they head towards their next meeting later this month. So, we are in a wait and see mode for what the FED may do this month in regards to interest rates knowing that they will have less transparency about the overall health of the economy.

This week, the 10YR CMT Index is 4.16%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

9/29/25 9/30/25 10/1/25 10/2/25 10/3/25 (Intraday)

4.15 4.16 4.12 4.10 4.11

Based on the data from this week, we will see a DECREASE in the Expected Rate of 3-5 bps for next week. This DECREASE will have NO IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications or closings soon, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 10/7/25 and beyond! As always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Federal Government Shutdown Update

Thu, 02 Oct 2025 21:24:48 GMT

As most of you know by now, the Federal Government was shut down effective October 1 and will remain shut down until Congress comes to agreement to continue funding the government. We will keep you updated as we learn and hear more here at SimpleReverse, but in the meantime, what does this mean for the Reverse Mortgage industry?

1. First, we want to assure you that SimpleReverse plans to continue operating “business as usual!” We should not see a major impact to our business, assuming this shutdown is resolved quickly.

2. However, you can expect to see the following pieces of our business impacted during a shutdown:

a. FHA Case Assignments & Case Transfers – FHA Connection will continue functioning to issue case numbers since this is an automated system. (However, if there are technical issues with the system or direct FHA involvement is required, expect it to take longer to get them addressed/fixed.)

b. FHA Single Unit Condo Approvals – This process will be delayed during a shutdown. Expect longer turn times for SUA Condo Approvals.

c. IRS Tax Transcripts – If Tax Transcripts are required as part of a loan approval, expect delays in receipt of these transcripts.

d. SSA-89 Requests – Verification of SSNs through this process could be delayed during a shutdown.

e. Change Requests for FEMA Flood Maps – If necessary, this process could be delayed during a shutdown. Expect longer turn times for flood map change requests.

We will continue to monitor the shutdown of the Federal Government and the potential impacts to our business should it continue for a lengthy time period and we will keep you abreast of any changes or additional impacts that we could experience as a result.

As always, thank you for your continued business and partnership. If you have any questions, please don’t hesitate to reach out.

HECM vs HELOC

Tue, 30 Sep 2025 18:35:57 GMT

HECM vs HELOC - Advantages of a HECM Reverse Mortgage

Over 1.5million baby boomers utilitize HELOC’s on an annual basis as a way to access their home equity to help fund retirement, pay for home improvements, consolidate debt, pay for home healthcare or many other reasons. Today, we want to address the advantages to these baby boomers of using a HECM Reverse Mortgage instead of a HELOC as a way to access their home equity to help them in retirement!

HECM vs HELOC:

1) No Required Monthly Mortgage Payments

a. HECM - Payment Optional loan. No required principal & interest payments required. Frees up monthly cash flow in retirement

b. HELOC – Regular monthly payments required as soon as you access the line and payments often rise when the draw period ends.

2) LOC That Grows Over Time

a. HECM – LOC grows automatically each year based on current rates, giving you access to more available funds in the future.

b. HELOC – LOC is fixed at time of closing and may be reduced or frozen based on market conditions.

3) Designed for Retirees

a. HECM - Created specifically for homeowners age 62+, offering flexible access to tax-free funds.

b. HELOC – Not built for fixed-income borrowers. Requires ongoing income and strong credit

4) Long-Term Security

a. HECM – FHA insured, non-recourse loan – you can never owe more than the value of your home

b. HELOC – Lender control that can add future risks and payments always required (interest only or principal and interest)

HECM (Reverse Mortgage) HELOC

*Monthly Payments Required NO YES

* Line of Credit Growth YES NO

* Availability of Funds LOC or Monthly Income LOC Only

* Non-Recourse Loan YES NO

* Designed for Retirees YES NO

The bottom line is that HECM’s (Reverse Mortgages) are built for retirement living, not borrower stress! A HECM gives a senior borrower more flexibility, more options, more protections; and is a better option for many baby boomers looking to access equity from their home to enhance their retirement.

SimpleReverse offers the tools, resources and training to help you understand and learn how to successfully sell reverse mortgages to your senior customers. If its marketing tools, marketing ideas, product training, scenarios or just a basic question; we are here as a resource to help you expand your knowledge and grow your business!!

Reach out to me TODAY to learn more about how you can experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary (For the Week Ending 9/26/25)

Fri, 26 Sep 2025 16:40:36 GMT

Rates Up This Week, No Changes to benefit Amounts

The 10YR CMT continued its move back up this week, and we will see an INCREASE in the 10YR CMT for next week. But, this will result in NO CHANGE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.08% for this week, and we will see an increase of 7-9 bps in the Expected Rate next week! However, this will have NO IMPACT on the Expected Rate and will result in the SAME Benefit Amounts next week!

Data was released today on the FED’s preferred inflation measure, Personal Consumption Expenditures (PCE), and the Core PCE number held steady at 2.9%, while Headline PCE data came in slightly higher than last month at 2.7%, but in line with forecasts. PCE remains above the FED’s target of 2%, analysts still expect at least one more rate cut from the FED this year in response to the softening labor market. Unemployment is still relatively low at 4.3%, but the labor market does appear to be cooling but not collapsing. Analysts do expect to see inflation rise further in the short-term, as higher import costs are partially passed along to consumers, but they believe these should be near-term hikes that aren’t ongoing drivers of inflation.

The new upcoming risks to the markets include the ongoing political divisions in Washington and the continued real probability of a government shutdown at the end of the current fiscal year, quickly approaching next week on September 30. A shutdown of the federal government would begin on October 1 if Congress fails to pass a stopgap measure (continuing resolution) or the necessary appropriations bills. Shutdowns have become more commonplace in recent history but usually don’t last long. The longest was in December of 2018 which lasted for 35 days. Analysts do expect a short-term slowdown in growth around a shutdown, but also a quick recovery in the months after. The longer the possible shutdown the more impact on the markets as financial markets certainly don’t like uncertainty. However, the markets to tend to be driven more by the outlook for economic growth and earnings, as opposed to the political landscape.

Finally, we have heard from several members of the FED this week on their views on the economy after last week’s rate cut; and those comments do indicate some disagreements and differing views on how to move forward. Chair Powell reiterated his messaging that rates should be moving to less restrictive levels, but he didn’t provide a great deal of clarity over timing and the extent of those adjustments. Others have been more dovish, warning that more decisive actions on cuts needs to be made sooner rather than later. More data will be coming before the FED heads into their next meeting in October.

This week, the 10YR CMT Index is 4.08%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

9/22/25 9/23/25 9/24/25 9/25/25 9/26/25 (Intraday)

4.15 4.12 4.16 4.18 4.18

Based on the data from this week, we will see an INCREASE in the Expected Rate of 7-9 bps for next week. This INCREASE will have NO IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications or closings soon, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 9/30/25 and beyond! As always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Marketing Minute - Volume 9

Thu, 25 Sep 2025 14:14:03 GMT

10 reasons every mortgage professional needs to be offering reverse mortgages!

Welcome to the 9 ^th edition of the SimpleReverse Marketing Minute!

This week, we want to highlight the Top 10 Reasons Why EVERY Mortgage Professional Should Be Offering Reverse Mortgages. Baby Boomers are the fastest growing demographic, with over 10,400 seniors turning 65 every day in 2025 and you don’t want to miss out on this huge demographic and new potential business because you aren’t currently offering the one mortgage program catering to the senior market!

10 Reasons Why EVERY Mortgage Professional Should Be Offering Reverse Mortgages:

1) Expand Your Client Base

a. Reverse Mortgages cater to the fast-growing senior demographic (62+), opening a new and largely untapped market with solutions that traditional lending doesn’t support

2) Increased Revenue Potential

a. Each Reverse Mortgage transaction often has higher average revenue compared to traditional loans, boosting overall income

3) Differentiate Yourself from Competitors

a. Offering Reverse Mortgages helps you stand out in a crowded marketplace, positioning yourself as a versatile and knowledgeable professional providing comprehensive solutions

4) Support Clients’ Financial Wellness

a. Reverse Mortgages help clients access home equity to fund retirement, pay off debt or manage healthcare costs; adding value and peace of mind to their lives

5) Provide a New Tool to Your Realtor Partners

a. Many seniors are looking to right-size or downsize into lower maintenance homes and Reverse Mortgages can be the tool to help Realtors sell more homes by helping their clients preserve cash or increase purchasing power

6) Generate More Introductions from Financial Professionals

a. Collaborating with Financial Advisors, Estate Planners, Tax and Real Estate Professionals leads to more business from trusted sources seeking expertise

7) Diversify Your Business

a. Reverse Mortgages are less rate-sensitive and provide a financial solution to smooth out market fluctuations during low purchase or refinance periods

8) Support Aging in Place

a. Many seniors prefer to remain in their homes as they age and Reverse Mortgages provide the financial means to do so

9) Tap into a Rising Demand

a. With rising home equity values and increasing retirement gaps, the demand for Reverse Mortgages is rapidly growing

10)Leverage Home Equity in Financial Planning

a. Reverse Mortgages integrate seamlessly into broader retirement strategies; providing solutions for longevity or cash flow, liquidity and legacy to heirs

SimpleReverse is here to help! We have the tools, resources, training and support to help you understand and learn how to successfully sell this product to your customers.

Reach out to me TODAY to learn more about how you can add Reverse Mortgages to your product offering and experience the SimpleReverse DIFFERENCE to grow your business!

Weekly Market Commentary (For the Week Ending 9/19/25)

Fri, 19 Sep 2025 16:45:15 GMT

rates up this week, lower benefit amounts next week!

The 10YR CMT moved back up slightly this week, and we will see an INCREASE in the 10YR CMT for next week. This will result in a DECREASE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.05% for this week, and we will see an increase of 3-4 bps in the Expected Rate next week! Unfortunately, this will have a NEGATIVE IMPACT on the Expected Rate and will result in LOWER Principal Limits and Benefit Amounts next week!

As all of you know by now, the FED did lower the Fed Funds Rate by 25bps this week. And with this expected cut already priced into the markets, we have seen a slight uptick in the 10YR Treasury as a result. The good news is that the FED did indicate a shifting in policy, and we could see as many as two more cuts before year end. However, they also stated that they are not on a predetermined path and that economic data, especially labor-market trends, will shape upcoming decisions.

Yesterday’s report on initial unemployment claims fell, providing some encouragement on the jobs front, however, hiring rates remain weak. And with inflation hovering above targets, this puts the FED in a difficult predicament of trying to balance labor markets, with what many analysts view as a potential for accelerating inflation numbers in the short-term as new tariffs are passed through to consumers in the coming months.

Uncertain guidance from the FED around outlook and the appropriate response was the dominant theme after their meeting this week, with the committee’s views split on how much easing would be appropriate in the coming months. The lack of strong guidance could lead to volatility in the coming weeks and months, but the prevailing view still trends toward rates to continue moving lower in the near term as the FED aims to gradually neutralize its policies.

This week, the 10YR CMT Index is 4.05%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE A NEGATIVE IMPACT on Benefit Amounts!

10YR CMT

9/15/25 9/16/25 9/17/25 9/18/25 9/19/25 (Intraday)

4.05 4.04 4.06 4.11 4.14

Based on the data from this week, we will see an INCREASE in the Expected Rate of 3-4 bps for next week. This INCREASE will have a NEGATIVE IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications or closings soon, we would suggest TAKING YOU’RE APPLICATIONS NOW BEFORE RATES GO UP NEXT WEEK SO THAT YOU CAN “LOCK-IN” HIGHER BENEFIT AMOUNTS NOW BEFORE THEY DECREASE NEXT WEEK! As usual, new rates for next week will take effect on Tuesday, 9/23/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 9/12/25)

Fri, 12 Sep 2025 16:28:29 GMT

Rates down this week, significantly higher benefit amounts next week!

The 10YR CMT continued to move down this week, so we will see a BIG DECREASE in the 10YR CMT for next week. This will result in an INCREASE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.19% for this week, and we will see a decrease of 13-15 bps in the Expected Rate next week! This will result in a 2 margin drop in the rate and 2 steps of additional Benefit Amount to the borrower next week!!

We got the last of the new data before the FED meeting next week this week, and as expected, Consumer Price Index (CPI) numbers increased to 2.9%, up from 2.7% last month. Core CPI numbers held steady at 3.1%. Jobless claims also rose this month to 263,000, the highest reading in over four years. The unemployment rate remains relatively low at 4.3%. Analysts believe these numbers reflect a cooling labor market but from a position of strength. And, it is also believed that the potential for lower rates and fiscal stimulus should help support the economy in the months ahead.

So, now we just wait for the FED meeting next week to see where things go from here. While inflation remains above the FED’s 2.0% target, with the labor market continuing to slow, the markets are still expecting at least a 25bps cut to rates next week, with the outside possibility of a more nuclear cut of 50bps. Treasury yields have been lower this week, as the market is already pricing in an expected cut of at least 25bps next week. And, based on FED actions and comments next week, we could continue to see yields push down further, especially based on many analysts beliefs that we could now see another 2 rate cuts before year end.

At this point, with all the data in for the FED meeting next week, we just sit back in a wait and see mode to find out what the FED will do, and more importantly, what Chairman Powell might indicate about the FED’s ongoing leanings and outlook for the months ahead!

This week, the 10YR CMT Index is 4.19%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE A POSITIVE IMPACT on Benefit Amounts!

10YR CMT

9/8/25 9/9/25 9/10/25 9/11/25 9/12/25 (Intraday)

4.05 4.08 4.04 4.01 4.07

Based on the data from this week, we will see a DECREASE in the Expected Rate of 13-15 bps for next week. This DECREASE will have a POSITIVE IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications or closings soon, we would suggest WAITING UNTIL NEXT WEEK TO CLOSE OR TAKE APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS! As usual, new rates for next week will take effect on Tuesday, 9/16/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (For the Week Ending 9/5/25)

Fri, 05 Sep 2025 20:37:17 GMT

Rates down this week - should be higher benefit amounts next week!

The 10YR CMT continued to move down this week, so we will see a DECREASE in the 10YR CMT for next week. This could result in an INCREASE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.25% for this week, and we should see a decrease of 6-7 bps in the Expected Rate next week! A decrease of 7 bps would have a POSITIVE IMPACT on the Expected Rate, and would result in HIGHER Principal Limits and Benefit Amounts next week!!

Bad news is good news if you are looking to the FED to start cutting interest rates soon. Today’s news that the economy only added 22,000 jobs in August, well below expectations of 75,000; and the unemployment rate edged up to 4.3% are all signs of slowing job growth. A cooling labor market, but one that isn’t yet falling off a cliff, can all be seen as a catalyst that the FED should and will resume lowering rates later this month. Lowering rates are seen as a lever that should support future economic growth and corporate earnings and would be a welcome sight for the mortgage industry as well.

Next week’s inflation data will now be the key focus as the last hurdle before what is widely seen as a likely 25bps interest rate cut at the FED meeting later this month. Inflation numbers are expected to rise slightly, but Core inflation numbers should remain steady. Increased price pressures are expected to continue building in the coming months as a result of higher tariffs as many companies have been absorbing these increased costs so far, but it’s expected that in the coming months those costs will be passed on to the consumer.

So, if you are a fan of seeing the FED lower interest rates soon, this recent “bad news” on the jobs front could turn into “good news” from the FED on the interest rate front in the near future!

This week, the 10YR CMT Index is 4.25%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease SHOULD HAVE A POSITIVE IMPACT on Benefit Amounts!

10YR CMT

9/1/25 9/2/25 9/3/25 9/4/25 9/5/25 (Intraday)

---- 4.28 4.22 4.17 4.06

Based on the data from this week, we will see a DECREASE in the Expected Rate of 6-7 bps for next week. This DECREASE should have a POSITIVE IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications to take, we would suggest WAITING UNTIL NEXT WEEK TO TAKE YOUR APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS! As usual, new rates for next week will take effect on Tuesday, 9/9/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Marketing Minute - Volume 8

Wed, 03 Sep 2025 16:25:47 GMT

Baby Boomers are buying, are you selling them?

Welcome to the 8 ^th edition of the SimpleReverse Marketing Minute!

This week, we want to highlight the fact that Baby Boomers are currently the largest share of new home buyers and that Home Equity Conversion Mortgages (reverse mortgages) can be a great tool to help them Increase Their Purchasing Power or to Preserve Cash!

Purchase Facts:

· 42% of all recent home purchases are by Baby Boomers (ages 58-77)*

· 53% of all recent home sales are from Baby Boomers (they all have to find a new place to live!)*

· They are moving to either downsize, right-size, move closer to family or purchase homes that are low maintenance or maintenance free

· A majority of these Baby Boomer buyers are using ALL CASH to purchase their new home

A Home Equity Conversion Mortgage (reverse mortgage) can help them to:

-Increase Their Purchasing Power (buy more home than they can afford with just cash)

-Preserve Cash (meaning that they don’t need to tie up all of their cash in the home, giving them extra cash to use for other purposes in retirement)!

So, if you aren’t already doing so, you need to be offering the Home Equity Conversion Mortgage (reverse mortgage) to these new potential customers! Offering this loan will not only expand your potential customer base, but it gives you a great tool to talk about with all of your realtor partners to help them tap into this growing Baby Boomer sales boom and help them grow their business as well!

Give me a call TODAY and we can help you too experience the SimpleReverse DIFFERENCE!!

*Data comes from the National Association of Realtors(NAR) report, 2024

Weekly Market Commentary (For the Week Ending 8/29/25)

Fri, 29 Aug 2025 18:37:08 GMT

rates down this week, no changes to benefit amounts!

The 10YR CMT continued to move down this week, but we will see NO CHANGE in the 10YR CMT for next week. This will result in NO CHANGE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.30% for this week, and we should see a decrease of 5-7 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate, and will result in the SAME Principal Limits and Benefit Amounts next week!!

The FED’s preferred inflation measure, Personal Consumption Expenditure (PCE), was released today and came in right in line with expectations. Headline PCE was at 2.6%, in line with last month, and Core PCE came in at 2.9%, slightly higher than last month’s number of 2.8%. Overall, analysts believe we will continue to see some upward pressure to these numbers as a result of higher tariff rates, but they believe inflation rates should stabilize over time at around 2.5%.

After Chairman Powell’s speech at the Jackson Hole symposium last week, he did signal that the FED is willing to shift its current policy rate levels; but he did also make clear that the FED is in a tough position of trying to balance potential higher inflation in the coming months while also trying to manage a labor market that is showing early signs of cooling. This is what the markets wanted to hear, and as a result, we have seen treasury yields come down since then.

It is believed that the FED will likely cut rates by 0.25% in September, while also very closely watching the data after that on both inflation numbers and labor market data. Many analysts continue to believe we will still one to two rate cuts this year, followed by one to two more rate cuts next year. Lower rates would cut borrowing costs for both businesses and consumers, which would be supportive of the overall economy.

This week, the 10YR CMT Index is 4.30%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE NO IMPACT on Benefit Amounts!

10YR CMT

8/25/25 8/26/25 8/27/25 8/28/25 8/29/25 (Intraday)

4.28 4.26 4.24 4.22 4.22

Based on the data from this week, we will see a DECREASE in the Expected Rate of 5-7 bps for next week. This DECREASE will have NO IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications to take, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK TO TAKE YOUR APPLICATIONS!!

With the Labor Day holiday on Monday, new rates for next week will not take effect until Wednesday, 9/2/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Introducing the SimpleApp!

Thu, 28 Aug 2025 18:18:55 GMT

Unlock new revenue streams with reverse mortgages - It's easier than you think with the simpleApp!

As a licensed loan officer, you're always looking for ways to expand your portfolio and help more clients achieve financial freedom. But what if we told you there's a powerful tool that could open the door to originating reverse mortgages – even if you've never considered them before?

Introducing the Simple App by Simple Reverse, a division of Luminate Bank. Designed specifically for forward-thinking loan officers like you, our app lets you:

-Quickly Qualify Borrowers: Get instant insights into eligibility without the guesswork.

-Submit Applications Seamlessly: Send everything directly to us with just a few taps.

-Integrate Effortlessly: Works hand-in-hand with our Quantum Reverse Loan Origination System – no new LOS to learn.

Reverse mortgages aren't just for specialists anymore. They empower seniors to tap into home equity for retirement, medical needs, or everyday living – and they can become a game-changing addition to your services. If you're new to the details (like how they differ from traditional loans or their flexible payout options), don't worry – the Simple App guides you every step of the way, making it straightforward to get started and close deals fast.

Why wait? Diversify your business, boost your commissions, and serve more clients with confidence. Hundreds of loan officers are already discovering the simplicity of reverse mortgages through us.

Visit www.gosimplereverse.com today and click the Simple App Pre Qualifier. Let's make reverse mortgages simple – for you and your borrowers!

Marketing Minute - Volume 7

Wed, 27 Aug 2025 16:13:57 GMT

This is a reverse Mortgage Customer!

Welcome to the7 ^th edition of the SimpleReverse Marketing Minute!

This week, we are continuing our new series called “This is a Reverse Mortgage Customer!” In this new series, we will highlight actual customer scenarios and how the reverse mortgage proved to be a great solution for them.

Reverse Scenario:

· Peter is 75 years old and is beginning to struggle to pay for and maintain his existing $750,000 home. So, he was planning on selling that home, netting about $500,000 and using the proceeds to pay cash for a new $500,000 home in a maintenance free senior community.

· His only income is his $3,500 a month SS Income and a small IRA.

· He could use some additional funds for retirement but doesn’t want to take on a new mortgage or mortgage payment.

So, the LO suggested a Home Equity Conversion Mortgage (reverse mortgage) for Purchase loan as a way to purchase the new home, preserve some of his cash from the proceeds to use for retirement expenses, but still have NO required monthly mortgage payment on the new home. The benefits he received were:

· Used $190,000 Reverse Mortgage plus $310,000 cash from the sale of his previous home to purchase his new $500,000 with NO monthly mortgage payment.

· Preserved $190,000 cash from the sale of his home to put into savings as additional cash to use in retirement

· Reduced his overall monthly expenses because he no longer has a mortgage payment and only has to budget to pay his taxes and insurance each year

· Got into the home he wanted, has fewer expenses, less maintenance he has to worry about and also now has $190,000 cash in the bank to better enjoy his retirement!

· All of this because he used the HECM for Purchase to buy his new home with a reduced downpayment versus “All Cash,” preserving his cash to use in retirement!

If you have customers like Peter that could benefit from using Home Equity Conversion Mortgage (reverse mortgage) to purchase a new home, give me a call TODAY and let’s discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you too experience the SimpleReverse DIFFERENCE!!

Weekly Market Commentary (For the Week Ending 8/22/25)

Fri, 22 Aug 2025 18:30:30 GMT

Rates up slightly this week, but no changes to benefit amounts!

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Weekly Market Commentary (For the Week Ending 8/15/25)

Fri, 15 Aug 2025 16:38:07 GMT

Rates Up slightly this week, no changes to benefit amounts!

The 10YR CMT moved back up slightly this week, but we will see NO CHANGE in the 10YR CMT for next week. This will result in NO CHANGE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.23% for this week, and we should see an increase of 4-6 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in the SAME Principal Limits and Benefit Amounts next week!!

Lots of numbers for the markets to digest this week as the Consumer Price Index (CPI) numbers for the month came out on Tuesday and the Producer Price Index (PPI) numbers came out on Thursday.

CPI numbers increased only 0.2% at 2.7% and core CPI was up 0.3% to 3.1%. This adds to the argument that reacceleration of inflation from higher tariffs has been less pronounced than first feared, but this impact is expected to increase moving forward unless more firms are willing to take a more prolonged hit to their margins.

PPI numbers came in well above expectations, increasing by 0.9%, the largest increase since June, 2022. PPI numbers are a leading indicator of consumer prices over time, and to analysts, this signals an early sign of the impact of tariffs on company costs. Some companies may choose to continue absorbing the higher prices and lower margins, while others may choose to pass along these higher prices to consumers.

All in all, the markets are still pricing in a 92% probability of a September rate cut; however the probability of additional cuts in October and December are falling. But, many analysts still predict two rate cuts before year end.

While inflation remains uncertain, many believe the FED will shift its focus to recent softenings in the job market and will not want to risk labor falling into a lengthy slump. Next week is also the FED’s annual Jackson Hole symposium, which is a likely forum for the FED to signal any upcoming shifts in its current interest rate policy.

This week, the 10YR CMT Index is 4.23%. Here is what the 10YR CMT has done this week, so we will see an INCREASE in the 10YR CMT for next week. This increase WILL HAVE NO IMPACT on Principal Limits!

10YR CMT

8/11/25 8/12/25 8/13/25 8/14/25 8/15/25 (Intraday)

4.27 4.29 4.24 4.29 4.32

Based on the data from this week, we will see an INCREASE in the Expected Rate of 4-6 bps for next week. This INCREASE will have NO IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications to take, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS IF YOU TAKE APPLICATIONS NOW OR WAIT UNTIL NEXT WEEK TO TAKE YOUR APPLICATIONS!! As usual, new rates for next week will take effect on Tuesday, 8/19/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Marketing Minute - Volume 6

Thu, 14 Aug 2025 16:32:46 GMT

this is a reverse mortgage customer!

Welcome to the 6 ^th edition of the SimpleReverse Marketing Minute!

This week, we are continuing our new series called "This is a Reverse Mortgage Customer!" In this new series, we will highlight actual customer scenarios and how the reverse mortgage proved to be a great solution for them.

Reverse Scenario:

Joanne & Janet are 2 sisters living together. Joanne is 73 years old, Janet is 72 years old; and they owe over $500,000 on the mortgage of their $1,200,000 home and are looking to get rid of the mortgage payment.
They both have credit scores over 750 and each have over $150,000 in retirement assets
Both make over $4,000 a month in SS Income & Pensions

So, the LO suggested a Home Equity Conversion Mortgage (reverse mortgage) to them as a way to get rid of the mortgage payment altogether so they could free up more money to travel. The benefits they received were:

Over $450,000 from the reverse mortgage to help pay off the existing mortgage they have, freeing up almost $5,000 a month by eliminating the monthly mortgage payment
They each cashed in about $25,000 from their retirement accounts to bring to closing to payoff the rest of the existing mortgage
To them, "pre-paying" the mortgage by 10 months with some of their retirement savings was well worth the money to eliminate the mortgage payment forever!
If they stay in the house for just 5 more years, they will have saved almost $300,0000 in monthly mortgage payments by doing the reverse mortgage now and using some of their retirement benefits to help eliminate the payment forever!
They now have the extra money they wanted each month to travel together, create experiences and make the lifelong memories they have been looking forward to!

If you have customers like Joanne and Janet that could benefit from a Home Equity Conversion Mortgage (reverse mortgage), give me a call TODAY and let's discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you too experience the SimpleReverse DIFFERENCE!!

Marketing Minute - Volume 5

Thu, 14 Aug 2025 16:31:10 GMT

This is a reverse mortgage customer!

Welcome to the 5 ^th edition of the SimpleReverse Marketing Minute!

Reverse Scenario:

Mary is 90 years old with a small mortgage and needs money for in-home care
She has a credit score of 539, past due taxes and HOA dues and can't qualify for any type of loan to help pay for her monthly care
Only makes $1800 month in SS income

So, the LO suggested a Home Equity Conversion Mortgage (reverse mortgage) to her family as an alternative to help her with monthly expenses. The benefits she received were:

Paid off her small mortgage freeing up $300 a month in income
Paid off her past due Property Taxes & HOA Dues of over $10,000
Created a set aside to pay her taxes and insurance for her (eliminating her risk of losing the home to unpaid taxes)
AND, provided her with a growing LOC of over $115,000 to use for her ongoing home healthcare needs

If you have customers like Mary that could benefit from a Home Equity Conversion Mortgage (reverse mortgage), give me a call TODAY and let's discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you too experience the SimpleReverse DIFFERENCE!!

Marketing Minute - Volume 4

Thu, 14 Aug 2025 16:29:32 GMT

This is a reverse mortgage customer!

Welcome to the 4 ^th edition of the SimpleReverse Marketing Minute!

This week we are going to start a new series called "This is a Reverse Mortgage Customer!" In this new series, we will highlight actual customer scenarios and how the reverse mortgage proved to be a great solution for them.

Reverse Scenario:

Jane is 65 years old with a $1,200,000 home and a $350,000 mortgage
She called in looking to refinance her existing mortgage to lower her payment of $2,100 a month
Only makes $1,800 a month in SS Income and is unable to qualify for a conventional refinance

So, the LO suggested a Home Equity Conversion Mortgage (reverse mortgage) to her as an alternative. After hearing all of the benefits of the loan, she moved full speed ahead and closed the loan in less than 25 days. The benefits she received were:

Paid off her conventional $350,000 loan
Eliminated her required monthly mortgage payment altogether, freeing up over $2,100 a month in additional monthly income
Received an additional $60,000 Line of Credit for emergencies

If you have customers like Jane that could benefit from a Home Equity Conversion Mortgage (reverse mortgage), give me a call TODAY and let's discuss how we can make this loan work for YOUR CUSTOMER!

Give me a call TODAY and we can help you too experience the SimpleReverse DIFFERENCE!!

Marketing Minute - Volume 3

Thu, 14 Aug 2025 16:27:44 GMT

Where to find your next reverse mortgage customer!

Welcome to the 3 ^rd edition of the SimpleReverse Marketing Minute! For many of you, your first reverse mortgage loan may have happened as a result of your customer finding you as opposed to you really finding them. Today, let's take a closer look at ways that you can make a more concentrated effort to market to and find your NEXT reverse mortgage customer!

There are really 3 ways to focus your marketing efforts in an attempt to find reverse mortgage customers:

Direct Marketing to Seniors Age 62+

Social Media (Facebook), Direct Mail, Emails, Radio, TV, etc...

Marketing your Database of Current & Past Customers

Email Newsletter, Direct Mail, Word of Mouth, etc...

Networking with Other Professionals

Realtors, Financial Planners, Home HealthCare Providers, CPAs, Elder Law Attorneys, Many Other Senior Related Sevice Providers, etc...

The opportunities are endless to help you grow our reverse mortgage business! Here at SimpleReverse, we have many tools available to assist you. All you need to do is to take the first step…Create a Plan and Put it into ACTION!!

Give me a call TODAY and we can assist you in coming up with a strategy that works for you to help you find your NEXT Reverse Mortgage customer!

Marketing Minute - Volume 2

Thu, 14 Aug 2025 16:25:35 GMT

Talk to your realtors about the reverse for purchase program to grow your business this year!

Welcome to the 2 ^nd edition of the SimpleReverse Marketing Minute ! As buying season ramps up, we thought it would be a great time to revisit the use of the Reverse for Purchase Program to make sure that your realtor partners are aware of this great tool/product for their senior homebuyers!

Did you know that Baby Boomers were the largest share of US Homebuyers in 2024? Boomers aged 60-78 made up 42% of all homebuyers last year, and over half of them were ALL CASH buyers!

Those stats alone make educating your realtor partners and their clients on the benefits of using a Reverse for Purchase loan as another tool to help them:

◻ Preserve Cash

◻ Increase Their Purchasing Power

Here is a quick example to illustrate the point:

72 year old couple looking to right-size into a single story home closer to family who have $300,000 cash to spend on a new home.

▷ They could purchase a new home for cash tying up all of their cash in a new home.

▷ Or, they could combine some of their cash ($190,000) with a reverse mortgage loan for $110,000 to purchase the new home…preserving $110,000 cash to have available for retirement

▷ Or, they could use all of the cash available plus a reverse mortgage loan to increase their purchasing power to buy a $475,000 home with no required mortgage payment

The above stories are great examples to share with your realtor partners about some of the ways that a reverse mortgage can be used as a tool to help their senior buyers purchase their retirement home AND help the realtor grow their business this year, as many Baby Boomers are looking for a tool like the Reverse Mortgage to help them do just this!

Here at SimpleReverse, we have many tools and marketing resources available to help you educate both your realtor partners and their senior customers on using the Reverse for Purchase!

Reach out to me TODAY if you want to learn more about the SimpleReverse Purchase Program and how it can help your senior clients, your realtor partners and you GROW YOUR BUSINESS this buying season!

Marketing Minute - Volume 1

Thu, 14 Aug 2025 16:22:11 GMT

You Have REverse Mortgage Customers Now - Who Are They?

Welcome to the 1 ^st edition of the new SimpleReverse Marketing Minute …where we will be providing bi-weekly sales ideas and insights to help you grow your reverse mortgage business this year!

Did you know that you already have potential reverse mortgage customers in your database – or even in conversations you're having today?

Reverse Mortgage Customers are Age 62+ who are:

Looking to reduce/eliminate their monthly mortgage payments
Looking to purchase a new home OR "right-sizing" with an alternative to an "all-cash" purchase
Unable to qualify for a traditional refinance or HELOC due to credit or income challenges
Needing extra cash flow for everyday expenses or home improvements
Looking to fund in-home care or medical expenses
Wanting to create an emergency cash reserve (line of credit)
Receiving financial help from children or grandchildren just to make ends meet
Simply looking for extra cash to better enjoy retirement

Bottom line – If you're speaking with a homeowner 62 or older who wants more financial flexibility, they could be a perfect fit for a reverse mortgage.

Stay tuned for upcoming insights on how to Identify, Market and Expand your reverse mortgage opportunities. Or, if you're ready to start TODAY, CALL ME – we can discuss how to add this product and create new marketing opportunities for YOU right now!!

Ask me about how I can help you grow your reverse mortgage business and begin to experience the SimpleReverse DIFFERENCE!

Weekly Market Commentary (for the week ending 8/8/25)

Fri, 08 Aug 2025 16:15:20 GMT

Rates Down This week, Higher Benefit Amounts Next Week!

The 10YR CMT moved down this week, and as a result, we will see a decrease in the 10YR CMT for next week. This decrease will result in an INCREASE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.35% for this week, and we should see a decrease of 11-13 bps in the Expected Rate next week! This will have a POSITIVE IMPACT on the Expected Rate, and will result in HIGHER Principal Limits and Benefit Amounts next week!!

Not much in regards to news or new data this week, but the markets have still been responding to last Friday’s underwhelming jobs report, the firing of the head of the US Bureau of Labor Statistics and signs of stagflation beginning to emerge. Eyes are looking to next week with the July CPI and PPI inflation data to be reported. Analysts will be looking to see to what extent recent tariff policies are passed through to consumer prices.

In other news, we will have a new face at the FED with Council of Economic Advisors Chairman Miran expected to be nominated to fill the remainder of FED Governor Kugler’s term. If confirmed, it seems likely he will join the call for an interest rate cut at the September FOMC meeting. Markets are currently giving a greater than 90% chance of a 25bps rate cut at the September meeting and at least one more cut before year end.

However, FED Chair Powell remains adamant in recent comments that the FED is uncertain as to the inflationary effects of new tariffs; and the last thing he wants to do is lower rates only to see inflation creep higher, forcing the FED to backtrack on rates. But, others feel the FED is behind the curve and already should have lowered rates. So it will be interesting to see what viewpoint wins out and what the FED does at its September meeting, so stay tuned!

This week, the 10YR CMT Index is 4.35%. Here is what the 10YR CMT has done this week, so we will see a DECREASE in the 10YR CMT for next week. This decrease WILL HAVE A POSITIVE IMPACT on Principal Limits!

10YR CMT

8/4/25 8/5/25 8/6/25 8/7/25 8/8/25 (Intraday)

4.22 4.22 4.22 4.23 4.28

Based on the data from this week, we will see a DECREASE in the Expected Rate of 11-13 bps for next week. This DECREASE will have a POSITIVE IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications to take, we would suggest WAITING UNTIL NEXT WEEK TO TAKE YOUR APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER INTEREST RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS!! As usual, new rates for next week will take effect on Tuesday, 8/12/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Weekly Market Commentary (for the week ending 7/18/25)

Wed, 06 Aug 2025 21:21:23 GMT

Rates UP Again this week, lower benefit amounts next week!

The 10YR CMT was up again this week, and as a result, we will see another increase in the 10YR CMT for next week. This increase will result in a DECREASE to PRINCIPAL LIMITS and BENEFIT AMOUNTS next week!!

The 10YR CMT currently sits at 4.39% for this week, and we should see an increase of 6-8 bps in the Expected Rate next week! This will have a NEGATIVE IMPACT on the Expected Rate, and will result in LOWER Principal Limits and Benefit Amounts again next week!!

We had lots of economic data come out this week indicating that inflation numbers continue to temper and that the job market remains healthy.

Consumer Price Index (CPI) numbers came in Tuesday just above expectations with Headline CPI at 2.7% versus expectations of 2.6%; and Core CPI, excluding food and energy, coming in at 2.9% versus 2.8% last month. Wednesday, we got updated Producer Price Index (PPI) numbers and they came in unchanged from last month with Headline PPI at 2.3% (lowest since September, 2024) and Core PPI at 2.6%, down from 3.2% in May. And yesterday, we got updated jobs numbers, with new jobless claims falling to 221,000 this past week, below expectations of over 232,000.

Most analysts believe that the stagnant inflation numbers and the resilient jobs market will keep the FED on hold again at its July meeting, giving them more time to assess data and their views on the impact of recent and upcoming tariffs. But, the most recent PPI numbers also have analysts believing that there are still chances and room for the FED to begin cutting interest rates later this year.

This week, the 10YR CMT Index is 4.39%. Here is what the 10YR CMT has done this week, so we will see another INCREASE in the 10YR CMT for next week. This increase WILL HAVE A NEGATIVE IMPACT on Principal Limits!

10 YR CMT
7/14/25 7/15/25 7/16/25 7/17/25 7/18/25 (Intraday)

4.43 4.50 4.46 4.47 4.43

Based on the data from this week, we will see an INCREASE in the Expected Rate of 6-8 bps for next week. This INCREASE will have a NEGATIVE IMPACT on the Principal Limits and Benefit Amounts for next week . So, if you have applications to take, we would suggest TAKING YOUR APPLICATIONS NOW BEFORE RATES GO UP FURTHER NEXT WEEK, SO THAT YOU CAN "LOCK-IN" THE HIGHER BENEFIT AMOUNTS NOW BEFORE THEY DECREASE NEXT WEEK!! As usual, new rates for next week will take effect on Tuesday, 7/22/25 and beyond! And, as always, we are simply providing this data to you, so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know right away!!! Thanks for the partnership and Good Selling!!!

Bob

simplereversepartners

Weekly Market Commentary - For the Week Ending 3/27/26

rates UP Again This Week, LOWER Benefit Amounts Next Week!

Reverse Mortgage Marketing Minute - 2026 Volume 4

Create a 5-Week Email Drip Campaign to Identify New Reverse Mortgage Customers from Your Existing Database!

Weekly Market Commentary - For the Week Ending 3/20/26

Rates UP Again This Week, But NO Changes to Benefit Amounts Next Week!

Weekly Market Commentary - For the Week Ending 3/13/26

Rates UP Again This Week, LOWER Benefit Amounts Next Week!

Reverse Mortgage Marketing Minute - 2026 Volume 3

Helping a "Stuck" Reverse Mortgage Customer Move Forward!

Weekly Market Commentary - For the Week Ending 3/6/26

Rates UP This Week, LOWER BEnefit Amounts Next Week!

Reverse Mortgages Can Open the Door to Better Retirement!

Reverse Mortgage Marketing Minute - 2026 Volume 2

Reverse Mortgages Can Help Solve Family Life Events!

Weekly Market Commentary - For the Week Ending 2/13/26

Rates Down This Week, HIGHER Benefit Amounts Next Week!

Reverse Mortgage Marketing Minute - 2026 Volume 1

Reverse Mortgages - Myths vs Truth!

Weekly Market Commentary - For The Week Ending 2/6/26

Rates Up Slightly This Week, NO Changes to Benefit Amounts Next Week!

Weekly Market Commentary - For The Week Ending 1/30/26

Rates Down This Week, NO Changes to Benefit Amounts Next Week! ﻿

Weekly Market Commentary (For the Week Ending 1/16/26)

Rates Up Slightly This Week, NO Changes to Benefit Amounts Next Week!

Weekly Market Commentary (For the Week Ending 1/9/26)

Rates Up Slightly This Week, NO Changes to Benefit Amounts!

Reverse Mortgage Marketing Minute - Volume 16

2025 - A Year In Review

Reverse Mortgage Marketing Minute - Volume 15

This IS A reverse Mortgage Customer!

Reverse Mortgage Marketing Minute - Volume 14

Reframe Your Thinking - The New Retirement(Reverse) Mortgage!

Weekly Market Commentary (For the Week Ending 12/12/25)

Rates Up This Week, But NO Changes to Benefit Amounts!

Weekly Market Commentary (For the Week Ending 11/7/25)

Rates Up This Week, Lower Benefit Amounts Next Week!

Reverse Mortgage Marketing Minute - Volume 13

This IS a Reverse Mortgage Customer!

Weekly Market Commentary (For the Week Ending 10/31/25)

Rates Up This Week, But NO Changes to Benefit Amounts!

Reverse Mortgage Marketing Minute - Volume 12

This IS a Reverse Mortgage Customer!

Weekly Market Commentary (For the Week Ending 10/24/25)

Rates Down This Week, But NO Changes to Benefit Amounts!

Weekly Market Commentary (For the Week Ending 10/17/25)

Rates Down This Week, Higher Benefit Amounts Next Week!

Marketing Minute - Volume 11

How to mine Your Current Database for Potential Reverse Mortgage Customers!

Weekly Market Commentary (For the Week Ending 10/3/25)

Rates Down This Week, But No Changes to Benefit Amounts!

Federal Government Shutdown Update

HECM vs HELOC

HECM vs HELOC - Advantages of a HECM Reverse Mortgage

Weekly Market Commentary (For the Week Ending 9/26/25)

Rates Up This Week, No Changes to benefit Amounts

Marketing Minute - Volume 9

10 reasons every mortgage professional needs to be offering reverse mortgages!

Weekly Market Commentary (For the Week Ending 9/19/25)

rates up this week, lower benefit amounts next week!

Weekly Market Commentary (For the Week Ending 9/12/25)

Rates down this week, significantly higher benefit amounts next week!

Weekly Market Commentary (For the Week Ending 9/5/25)

Rates down this week - should be higher benefit amounts next week!

Marketing Minute - Volume 8

Baby Boomers are buying, are you selling them?

Weekly Market Commentary (For the Week Ending 8/29/25)

rates down this week, no changes to benefit amounts!

Introducing the SimpleApp!

Unlock new revenue streams with reverse mortgages - It's easier than you think with the simpleApp!

Marketing Minute - Volume 7

This is a reverse Mortgage Customer!

Weekly Market Commentary (For the Week Ending 8/22/25)

Rates up slightly this week, but no changes to benefit amounts!

Weekly Market Commentary (For the Week Ending 8/15/25)

Rates Up slightly this week, no changes to benefit amounts!

Marketing Minute - Volume 6

this is a reverse mortgage customer!

Marketing Minute - Volume 5

Rates Down This Week, NO Changes to Benefit Amounts Next Week!