In this episode of The South Florida Mortgage Report, host Craig Garcia of Capital Partners Mortgage Services goes solo to break down the latest in the mortgage world.

Craig starts with an update on Freddie Mac’s Mortgage Rates Survey, explaining how the bond market – not just the Fed – drives changes, and why now may be a favorable moment for buyers and refinancers. He then dives into the newly signed Trigger Lead Bill, clarifying what “trigger leads” are, how they’ve affected borrowers with unwanted solicitation calls, and what protections the upcoming law (effective March 2026) will provide. Craig also shares a practical tip for homeowners and buyers who want to protect themselves now through optoutprescreen.com.

Finally, he recounts a recent client story that highlights the importance of tenacity, resourcefulness, and credit know-how. What started as a discouraging denial by a builder turned into a successful home purchase — and a lesson in persistence for both clients and loan officers.

Whether you’re a homebuyer, seller, or just keeping an eye on the market, this episode delivers valuable insights on rates, consumer protections, and real-world mortgage problem-solving.

**Helpful Links:**• Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: [Subscribe here](https://housingnewsletters.com/craiggarcia)• Pre-Approvals 24/7: Get started with mortgage pre-approvals anytime—whichever link works best for you:o [Option 1](https://loancenter.cp-mtg.com/homehub/signup/[email protected]?from_mobile_share=true)o [Option 2](https://loancenter.cp-mtg.com/dr/c/w2o7v)