Morning Brief | Colin McDowell

YOUR MORNING BRIEF

A clear plan. A stronger business.

Spot the opportunity. Start the conversation. Make your next move count.

Colin McDowellYour lending partner · NMLS #1696149

Three opportunities worth knowing about

Buyer conversation starters

Louisville Metro

Down Payment Assistance

Up to $30K

Local assistance that may help an eligible buyer cover part of the upfront cash needed to buy. Funding and program rules can change.

In plain EnglishLouisville Metro may help an eligible buyer cover part of the cash needed to buy. It can be partially forgivable, but it is not automatically “free money.”Think of this buyer when…They seem financeable but say down payment or cash-to-close is the obstacle.Do not promiseAn exact amount, guaranteed eligibility or that funding will still be available at closing.

Kentucky Housing

KHC Down Payment Assistance

Up to $12.5K

Down-payment help that works with eligible Kentucky Housing first mortgages. It is generally structured as a secondary loan rather than simply a grant.

In plain EnglishKHC may help reduce the buyer’s upfront cash requirement when the first mortgage and buyer fit KHC rules.Think of this buyer when…Cash is tight but the buyer may otherwise be able to support homeownership.Do not promiseThat the assistance is free money or that every loan/product/property qualifies.

Kentucky Housing

Shared Appreciation Mortgage

Up to 25%

A newer program that may provide significant upfront help in exchange for Kentucky Housing sharing in future appreciation under the program rules.

In plain EnglishThe buyer may get substantial help now, but KHC can share in future home appreciation. That trade-off matters.Think of this buyer when…Income can support the house but the upfront cash requirement is the major barrier.Do not promiseThat it is ordinary “free money.” The long-term economics need to be understood before the buyer relies on it.

TODAY’S GAME PLAN

Build Your Business

Your daily game plan with Colin. Start with one useful action now, then work through four quarters of business-building activity. Save your notes and track your progress as you go.

0 / 100 points70 = a winning day · Progress saves on this device

Open my full game plan →

Your opening drive: four plays. 40 points.Start with one 10-point play. Complete all four below to bank 40.

1st quarter · Create businessOpening drive · 40 points in play

+10

Reactivate one old lead

Use a real reason to restart a buyer conversation — not “just checking in.”

+10

Find one buyer conversation

Read a real Louisville relocation or homebuying question. Learn what people are already asking.

+10

Ask one person to coffee

Strengthen one real relationship: sphere, local professional, client or another agent.

+10

Capture one open-house insight

Turn something a buyer, neighbor or agent actually said into future business intelligence.

MARKET CONTEXT

Louisville at a glance.

Market snapshot: August 2026 local data; September 10 mortgage benchmark. Verify current figures before using them with clients.

Active listings3,667+20.0% year over year

Median list price$276.5K-1.8% year over year

Median sold price$285.5K+5.7% year over year

Median market time39 days+20.7% year over year

List $ / sq. ft.$168+1.8% year over year

Freddie Mac 30-year6.76%Weekly national average • Sept. 10

RATE WATCH · MONDAY MIDDAY BRIEF

The rate brief. Ready for a client conversation.

Read the market context, then use the plain-English explanation with a buyer.

Brief updated September 14, 2026 · Midday

DAILY RATE PULSE

30-year fixed • daily market index 7.12%

▲ 0.05 pts

Latest published MND 30-year fixed index: Friday, September 11. Up 0.05 percentage points (5 basis points) from Thursday’s 7.07%.

Freddie Mac weekly · Sept. 10 6.76%

10-year Treasury · Monday check 4.99%

Daily rate index ↗ Freddie Mac PMMS ↗ Treasury yields ↗

Monday’s daily mortgage index was not yet published at this midday check. The 7.12% figure is Friday’s index; today’s bond-market direction is summarized alongside it.

National market indicators only — not a borrower quote, lock, approval or commitment to lend.

WHY IT'S MOVING

Monday: higher oil and bond selling keep pressure on pricing.

MND’s 10:38 a.m. report says oil is about $4 above Friday and selling accelerated as the 10-year Treasury yield reached 5%. That points to pressure for worse mortgage pricing, not a confirmed new daily index. Wednesday’s Fed announcement is the next major event to watch.

EXPLAIN IT TO A BUYER LIKE THIS

“The latest published mortgage benchmark is higher than Thursday’s, and the bond market remains under pressure this morning. Let’s check the current pricing for your actual loan before making a payment or lock decision.”

Read Monday’s 10:38 a.m. MND report ↗

WEEKLY FAST PASS Colin’s quick take for agents.

≈ 3 MIN

WEEKLY VIDEO BRIEFFast PassThis week’s video has not been posted yet.

A quick take from Colin on what changed, what matters, and what to say to clients.

A real buyer. A real financing question.

Payment, cash to close, credit, income or timing — bring Colin the details and get a clear next step.

YOUR TOOLKIT

The right tool for your next move.

Use a tool when you need it, then return to your business game plan →

01 / WORK SMARTER

Turn ideas into action.

Social posts, follow-up scripts, showing routes and pipeline planning.

Open business tools →02 / KNOW LOUISVILLE

Show up informed.

Property records, maps, buyer-fit check and local market research.

Open research tools →

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