Remember yesterday? Ah, the good old days—when things were slightly less chaotic. In my blog, I talked about Risk On and Risk Off. Well, today, it’s looking more like Risk Off the Rails.

Tariffs came in worse than expected, and the stock market just took a 3.4% dive—roughly 1,487 points—as I type. (If you listen closely, you can hear investors screaming in the distance.)

But here’s the silver lining: Risk Off in the stock market means a flight to safety—the Bond Market. And you know what that means? Mortgage rates have improved. Not just a little, but quite a bit. We’re already locking in our slightly risk-averse clients while the opportunity is hot.

Our refinance clients? They’re primed and ready. I do anticipate lower rates ahead, but let’s be real—it’s a bit of a circus right now. We’ll stay on our toes because, at this point, predicting tomorrow is like predicting the weather in April—chaotic at best.

Stay tuned!