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🧠 Smart Starters Weekly Mortgage Guide for Florida Homebuyers

Will Rates Go Up This Week? Here’s What to Watch — and Why Rory McIlroy’s Big Win Matters for You. 🏡💪

If you’re a first-time homebuyer in Florida, the questions swirling around mortgage rates this week are not just background noise. They affect how much home you can afford, your monthly payment, and even whether you qualify.

But don’t worry — we’ve got your back. 💡 Here's your Smart Starter breakdown of what’s going on and how to use it to your advantage.

🔍 Why This Week Matters for Florida Buyers

Major economic reports are being released that could cause mortgage rates to swing. These include retail sales, jobless claims, housing starts, and a speech from Fed Chair Jerome Powell. These aren't just headlines — they directly influence how expensive it is to borrow money.

📅 What to Watch This Week (in Plain English):

Monday, April 14

• 📈 Consumer Inflation Expectations
  → If people expect prices to keep rising, the Fed may raise rates — and that could increase your mortgage rate.

• 🧓 Fed Speeches
  → Could offer insight into where rates are heading. One unscripted moment could shift the market.

Tuesday, April 15

• 🏭 Manufacturing Report (NY Fed)
  → Weak numbers = less inflation pressure = rate relief.

• 🌍 Import/Export Prices
  → Flat prices are great news. It suggests inflation isn’t gaining steam.

🔥 Wednesday, April 16 – The Big Day

• 🛍️ Retail Sales (+1.4%)
  → Consumers are still spending, which could signal the Fed to keep rates high to cool the economy.

• 🧱 Housing Market Data
  → If builders are slowing down, inventory stays tight, keeping home prices high.

• 🎤 Fed Chair Powell speaks at 1:30pm
  → This is the moment that could move markets. His tone and choice of words can cause instant changes in mortgage rates.

Thursday, April 17

• 🧱 Housing Starts & Building Permits
  → Still not building enough homes in Florida. Low inventory = competitive buying = higher prices.

• 📉 Jobless Claims
  → If unemployment is rising, the Fed may ease off, which can help lower rates.

✅ Smart Starters Game Plan: What YOU Should Do This Week

💬 Real Talk: Homebuying Takes Grit (Just Ask Rory McIlroy)

🏌️‍♂️ Rory McIlroy just became one of only six golfers in history to complete the career Grand Slam by winning the 2025 Masters. It took him 14 years and 17 tries at Augusta.

He failed, tried again. Choked, tried again.
And when he finally won, he said:

“A moment like that makes all the years and all the close calls worth it.”

Sound familiar?

Buying your first home in Florida — with rising rates, bidding wars, and confusing terms — can feel like your own Augusta. But your time will come. And when it does, you’ll know it was worth the wait, the strategy, and the hustle.

💬 Your Next Move, Smart Starter:

✅ Check in with a mortgage pro (that’s us).
We’ll show you:

• How much you can afford with today’s rates 🧮

• Whether to lock or float based on your timeline

• How Florida programs like Hometown Heroes or 100% FHA might help with your down payment

📲 Book your free 15-min call now:
👉 https://calendly.com/lowrate/15min

You’ve got this, Smart Starter. We’re with you every step of the way. 💙

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