In this week’s discussion, our expert panel digs into the hot question dominating the mortgage market: will the Fed cut rates by 25 or 50 basis points in September—and what will that really mean for borrowers? With unemployment data, CPI expectations, and global economic weakness all in play, the team weighs the Fed’s credibility, the risks of waiting, and the very real possibility of a surge in loan locks if rates dip further. The consensus? Don’t sit on the sidelines—encourage clients to take advantage of today’s improving rates and remember that refinancing later is always an option.