REAL TALK REAL ESTATE THIS WEEK'S EPISODE

"Why aren't rates dropping?" We break down the ONE number that explains it all.

Jay & Andy dig into "the spread" — the gap between the 10-year Treasury yield and your 30-year mortgage rate. Here's the punchline:

For 50+ years, mortgage rates have tracked the 10-year Treasury almost in lockstep
The "normal" gap between them (the spread) averages 1.76 points
In 2023 that gap blew out to 3.19 — which is WHY rates spiked toward 8%
Today it's down to 2.01 — just above normal — which is why rates sit around 6.69%

The takeaway: the spread has already done most of its shrinking. That means most of the "easy" rate relief has already happened — don't wait around for an 8%→5% miracle drop. If you're planning to buy in the next 6-12 months, the math says get moving, not wait it out.

Full episode breaking down what this means for YOUR buying power → link in comments!

HOUSE OF THE WEEK 
112 Glade Boulevard, Walkersville, MD
$525,000 | 4 Beds | 2.5 Baths | 2,452 Sq Ft

This Glade Towne colonial has been updated top to bottom — and it shows.

Remodeled kitchen w/ granite counters + freshly painted cabinetry
Luxury vinyl plank flooring across the ENTIRE main level
New HVAC (2024), water heater (2023) & radon mitigation (2024)
New roof w/ oversized gutters (2021) + all-new light fixtures (2025)
Primary suite w/ walk-in closet + updated stand-up shower bath
Main-floor laundry AND a huge walk-in pantry
Finished basement rec room + storage/utility rooms
Fully fenced backyard w/ deck, patio & shed — built for cookouts and lazy Sundays

Tucked into an established neighborhood with mature trees, a community pool, and tot lots — plus easy access to shopping, dining, and commuter routes. This one truly checks every box.

Want the full scoop or want to see it in person? Call 866-702-9038

REAL TALK REAL ESTATE THIS WEEK'S EPISODE
"Why aren't rates dropping?" We break down the ONE number that explains it all.
Jay &amp; Andy dig into "the spread" &mdash; the gap between the 10-year Treasury yield and your 30-year mortgage rate. Here's the punchline:
For 50+ years, mortgage rates have tracked the 10-year Treasury almost in lockstep The "normal" gap between them (the spread) averages 1.76 points In 2023 that gap blew out to 3.19 &mdash; which is WHY rates spiked toward 8% Today it's down to 2.01 &mdash; just above normal &mdash; which is why rates sit around 6.69%
The takeaway: the spread has already done most of its shrinking. That means most of the "easy" rate relief has already happened &mdash; don't wait around for an 8%&rarr;5% miracle drop. If you're planning to buy in the next 6-12 months, the math says get moving, not wait it out.
Full episode breaking down what this means for YOUR buying power &rarr; link in comments!
HOUSE OF THE WEEK 112 Glade Boulevard, Walkersville, MD $525,000 | 4 Beds | 2.5 Baths | 2,452 Sq Ft
This Glade Towne colonial has been updated top to bottom &mdash; and it shows.
Remodeled kitchen w/ granite counters + freshly painted cabinetry Luxury vinyl plank flooring across the ENTIRE main level New HVAC (2024), water heater (2023) &amp; radon mitigation (2024) New roof w/ oversized gutters (2021) + all-new light fixtures (2025) Primary suite w/ walk-in closet + updated stand-up shower bath Main-floor laundry AND a huge walk-in pantry Finished basement rec room + storage/utility rooms Fully fenced backyard w/ deck, patio &amp; shed &mdash; built for cookouts and lazy Sundays
Tucked into an established neighborhood with mature trees, a community pool, and tot lots &mdash; plus easy access to shopping, dining, and commuter routes. This one truly checks every box.
Want the full scoop or want to see it in person? Call 866-702-9038

Tune in weekday mornings from 5-10am for the Free Country Wake Up Crew with Tom Whalen and Dianah Gibson.

Tune in weekday mornings from 5-10am for the Free Country Wake Up Crew with Tom Whalen and Dianah Gibson.