Market Updates · mu-03
Rate-change explainer for buyers (lender co-branded)
Beginner · About 30 minutes saved · Reviewed November 3, 2026 · Zac Morton, MoJo Real Estate Team
Use case
Rates moved this week. Explain what it means in monthly payment terms, reviewed by your lender partner.
Tools
Steps
- Run when rates move meaningfully.
- Send the draft to your lender partner for accuracy review.
- Send to your buyer list.
Prompt
Replace each [bracket] with your own details.
This week's average 30-year fixed rate: [RATE] (source: [Freddie Mac PMMS or lender], date). Last month: [RATE]. Typical local purchase price: [PRICE]. Typical down payment scenarios: [e.g. 3.5%, 5%, 20%]. 1. Calculate principal and interest for each down payment scenario at both rates. Show the formula and results. Note that taxes, insurance, HOA, and mortgage insurance are not included. 2. Write a 150-word explainer: what changed, what it means per month, and 3 questions a buyer should ask a lender. 3. A 3-line text version for my buyer list. 4. A note for my lender partner to review the numbers before sending. No predictions about where rates are going. Not financial advice.
Example output
On a $320,000 home with 5% down, the rate dropping from 6.4% to 6.1% lowers principal and interest by about $60 per month ($1,902 to $1,842)...
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