Understanding Mortgage Rates & Buyer Strategies

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Mortgage rates are still elevated; and it’s not just about the Fed. In this video, Jim Fong (Las Vegas real estate agent & investor) and Wes Friedman (loan officer) explain why the 10-year Treasury drives 30-year mortgages, how inflation/jobs data influence yields, and what buyers/sellers can do now in a buyer-leaning market. We cover rate buydowns, ARMs, bridge loans, union/assistance programs, and the cost of waiting if you’re approved but on the sidelines.

What you’ll learn
• Fed funds vs. mortgage rates (why they differ)
• Which signals to watch: CPI, PCE, PPI, jobs
• Real tactics: 1–3 yr rate buydowns, ARMs, bridge loans
• When renting vs. selling makes sense; seller credits now
• Why starter areas (e.g., Summerlin/Henderson examples) can be easier to win in a buyer market

Who it’s for: Las Vegas home buyers, sellers, and investors or anyone looking for clear, practical strategy from a Las Vegas real estate agent and loan pro.

Disclaimer (non-political & not financial advice):
This video is for informational/educational purposes only. It is not political content, electioneering, or financial/tax/legal advice. Always consult your own licensed professionals for your situation.

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???? Want a custom plan or to know what your mortgage payment could look like today? Call/text Jim & Wes.
☎️ 702-997-2050
www.jimmyfong.com
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Realtor at Real Broker
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