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Marketing Pulse Jun 25

In a flat-rate week, lead with the new housing bill — not a rate pitch

With the 30-year stuck near 6.60%, the freshest borrower conversation this week isn't rates — it's the bipartisan housing-supply bill Congress just passed, framed as buyer education.

Thursday, June 25, 2026 30Y 6.54%15Y 5.85%5/1 ARM 6.32%

Fresh news this week hands you a marketing angle that has nothing to do with rates — which is exactly what a flat market needs. Congress passed the 21st Century ROAD to Housing Act, a bipartisan supply-side package aimed at easing local zoning barriers and speeding up homebuilding; it cleared both chambers by wide margins and is awaiting signature, with the planned ceremony on hold. It isn't law yet, and the effects are measured in quarters, not weeks — so the play here isn't urgency, it's authority. A short, plain-English explainer of what the bill is and what it could mean for inventory positions you as the person who actually follows the market, not just the rate sheet. That's the kind of content that earns a reply from a fence-sitting buyer who has tuned out every "rates dropped" post.

On rates, keep the message honest: the 30-year is at 6.60%, down only a few bps on the week and essentially flat over the past month, sitting just above its 90-day average of 6.51%. "Rates are falling" isn't the story, and your buyers will fact-check it on Google. Pair the supply-bill explainer with a payment-reality note for the segment that's been waiting on the sidelines — a buyer pre-approved three to six months ago who paused is looking at nearly the same payment today, roughly $2,555/mo in principal and interest on a $400K loan at 6.60%. "Waiting for rates" has cost them time without saving them money, and the bill gives you a reason to restart that conversation that isn't a rate pitch.

The tactical build this week is one 60-to-90-second explainer — a video or a single carousel graphic — titled something like "What the new housing bill means for buyers." Three beats: what passed (more homes, faster), what it doesn't do (it's not a rate cut, and it's not instant), and what it means for you (more choice ahead, but today's payment is stable enough to plan around). Then hand the same asset to your top two or three agent partners — supply news is catnip for listing agents, and co-branding it puts you in front of their sphere. It's evergreen for weeks, and it's a differentiated reason to reach out that none of your rate-led competitors are using.

Do this today

Record a 90-second "what the new housing bill means for buyers" explainer — neutral, just the facts and the buyer read-through — and send it one-to-one to five fence-sitting purchase leads who paused in the last six months, with a line offering to re-run their numbers.

Borrower segments to act on today

Paused purchase buyers — restart with the supply story

Buyers who got pre-approved 2 to 6 months ago and went quiet are looking at nearly the same payment today (about $2,555/mo P&I on a $400K loan at 6.60%). The new housing bill is a non-rate reason to re-open the conversation and re-run their numbers.

active loans · 2–6mo since close · purchases
Clear-win refis: closed at 7.5%+

With the 30Y at 6.60%, anyone who closed at 7.5% or higher is roughly 90 bps in the money — about $240/mo on a $400K loan. A clean, unambiguous refi cohort worth a direct payment-comparison touch this week.

closed loans · rate ≥7.50%

Today’s content angles

Short-form video

"What the new housing bill means for buyers" explainer

Face-to-camera, plain language: "Quick one for anyone house-hunting — Congress just passed a big housing bill aimed at getting more homes built. Two things to know: it's not a rate cut, and it won't change inventory overnight — but it points to more choice down the road. For right now, your payment on a $400K loan is steady, around $2,555 a month, so it's a fine time to plan. Want me to re-run your numbers? Message me HOME." Keep it factual and neutral — what passed, what it doesn't do, what it means for you. No politics, dollars and months only.

Tactics worth stealing

In a flat market, lead with a market explainer, not a rate post

When rates are range-bound, educational "here's what changed in the market" content outperforms promotional rate posts on engagement and reply rate, because it reads as advisory rather than salesy. Tie the explainer to a real, current development (a new bill, a program change) and end with a low-friction "want me to run your numbers" CTA rather than a hard offer.

Content Marketing Institute, B2C content benchmarks