Good news first.

Mortgage rates continued moving in the right direction again this week. The 10-year Treasury is hovering near 4%, which is a key psychological and technical level. If it pushes and holds below that mark, that’s when we typically see rate sheets improve more meaningfully.

As always, this isn’t a straight line down. Markets don’t move politely. But the trend and technical indicators are continuing to point in a healthier direction.

My Forecast

I still believe over the next year we see rates settle solidly in the 5s on most core loan products.

If we see something with a 4 in front of it? That likely means something bigger is happening geopolitically or economically. And historically, when rates dip that low, it’s usually tied to uncertainty somewhere else.

A healthy housing market lives in the mid-5s to low-6s.

That’s stable. Sustainable. Normal.

Inventory Is Ticking Up

This might be the most important part for you:

Listings are increasing.

That creates:

We’re not in a frenzy market.

We’re not in a frozen market.

We’re in a shifting market.

And shifting markets reward agents who understand strategy.

Buyers who sat on the sidelines waiting for perfection are starting to realize:

They don’t need perfect rates.

They need the right plan.

More inventory + improving rates + creative structuring = opportunity.

The agents leaning into conversations right now will win the next 12–18 months.

Momentum is building quietly.

And quiet momentum is usually the best kind.

— Brooks

There are a thousand AI tools out there right now.

Most of them are generic.
Most of them aren’t built for real estate.
And almost none of them are built for you as a Realtor.

That’s why I created The Realtor Resource Ranch: app.brookskelly.com

It’s an AI platform designed specifically for Texas Realtors to help you look more prepared, more informed, and more professional in more ways than one.

What You’ll Find Inside

1. Real Mortgage Answers. Not Internet Guesses.

You can ask mortgage questions and get answers based on actual guidelines.

If you’re in the middle of writing an offer and wondering:

• Can they go FHA on this property type?
• What’s the max DTI on this scenario?
• How does delayed financing work?
• What’s allowed on seller concessions right now?

You get structured, real answers that are built around how loans actually work. I’m always around for a conversation but if you want to find a quick answer while in the middle of a phone call, this is a great answer.

2. Texas Real Estate News → Instant Content

The system pulls relevant Texas or nationally and real estate news that you can instantly turn into: scripts for social media content or newsletter articles.

Or use the article that you found elsewhere to generate skips quickly.

3. The Fan Favorite: Listing Photo Enhancer

This one has been a hit.

Upload a listing photo and you can:

• Virtually stage it
• Correct the brown landscaping
• Convert it to twilight
• Change wall colors
• Update finishes
• Remove clutter

If buyers are struggling to visualize a space, this tool eliminates that friction.

Less imagination required = fewer objections.

4. A lot more..

Sales scripts, mortgage calculators like net proceeds or buydowns.

If you’ve ever thought, “There has to be an easier way to do this,”
this is it.

Why It Matters

The agents winning right now are clear, confident, and consistent.

They explain well.
They educate clients.
They show up prepared.

This platform helps you do all three. You can even do it while on the phone with your client.

If you’d like a walkthrough, book time with me in the link below and I’ll show you how to use it in your business.

And of course, I’m always happy to talk mortgages.

Book time with me.