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Marketing Pulse Jul 4

Borrowers now find you through AI answers, not clicks

The market's closed and rates are quiet, so work on your marketing: Google's AI Mode passed a billion users and 93% of searches end without a click — here's how to stay findable.

Saturday, July 4, 2026 30Y 6.54%15Y 5.85%5/1 ARM 6.32%

The rate environment is quiet — the market's closed for the Fourth and the 30-year is holding in the mid-6.5s with nothing new to react to — so this is a week to work ON your marketing rather than react to a rate move. And the biggest shift under your feet right now isn't a rate; it's how borrowers find you. HousingWire reported this week that Google's AI Mode has passed a billion monthly users and that roughly 93% of those searches now end without a single click. Your next client increasingly reads an AI-generated answer to "best loan officer near me" or "should I refinance in 2026" and never taps a link. That quietly reshapes what "get found online" even means.

On the rate side, keep the message simple and honest: rates eased modestly this week and are sitting near 6.5%, about a nickel lower than a month ago — steady, not falling off a cliff. The segment where the math is unambiguous is still anyone north of 7%: today's payment on a $400K loan runs about $190/month less than it did at 7.25%. For the larger "my rate's fine" crowd, lead with equity and mortgage-insurance-drop angles rather than rate alone — and for hesitant spring buyers, this week's Case-Shiller data (home-price gains running behind inflation) is a clean, non-pushy reassurance that they aren't "buying the top."

The tactical move this week: spend two hours making yourself answerable to AI. Fill out every field on your Google Business Profile, ask three recent clients for a review that names the specific thing you helped with ("VA loan," "first-time buyer in [city]"), and publish one plain-language FAQ page that answers the literal questions borrowers type — "how much income do I need for a $400K house," "is it worth refinancing to save $150 a month." Answer engines pull from structured, review-backed, specific sources; generic "we're the best" copy is invisible to them.

Do this today

write one FAQ answer — the single question your clients ask most — in plain language, under 150 words, and post it where Google can index it (your site, your Business Profile, or LinkedIn). One genuine answer beats ten promotional posts in an AI-answer world.

Borrower segments to act on today

Rate-relief window: funded above 7%, any purpose

At today's 30-year near 6.54%, these borrowers save roughly $190/mo on a $400K balance with break-even under two years on standard costs — the one segment where rate alone makes the case.

closed loans · rate ≥7.00%
Spring purchase buyers still in-flight — the 'buying the top' hesitation

April Case-Shiller shows home-price gains trailing inflation, a fact-based reassurance for pre-approved buyers who stalled on fear of overpaying; pair it with today's steady mid-6s rate.

active loans · purchases

Today’s content angles

Social post

'Mid-year mortgage check-up' post

Your mortgage isn't set-it-and-forget-it. Three things worth a five-minute mid-year check: is your rate still competitive, have you built enough equity to drop mortgage insurance, and would a 15-year term fit your budget now? Message me MIDYEAR and I'll pull your numbers.

Tactics worth stealing

Make yourself answerable to AI, not just searchable

AI Mode passed a billion monthly users and roughly 93% of those searches end without a click. Fill out every Google Business Profile field, gather reviews that name specific loan types and cities, and publish plain-language FAQ answers to the exact questions borrowers type — answer engines pull from structured, review-backed, specific sources, not generic 'best rates' copy.

HousingWire, Answer Engine Optimization for real estate (2026)