This Week's Trending Topic: Higher Inflation, Steady Mortgage Rates, and the Next Fed Decision

The latest economic numbers are in, and they're sending a clear message: Inflation remains a challenge, and affordability is still front and center.

September's Consumer Price Index (CPI) rose 3.7% year over year, up from 3.4% in August. Meanwhile, Freddie Mac reported that the average 30-year fixed mortgage rate held steady at 7.40% as of October 15.

With the Federal Reserve's next meeting scheduled for October 27–28, buyers and real estate professionals are watching closely.

But here's what we need to understand:

  • Inflation is still elevated. Rising costs continue to put pressure on household budgets.
  • Mortgage rates remain challenging. Buyers need to evaluate affordability based on today's numbers.
  • The Fed's next move is uncertain. Mortgage rates don't automatically follow changes in the federal funds rate.
  • Q4 is moving quickly. Waiting for perfect conditions could mean missing opportunities to prepare for 2027.

The question isn't whether the market will change.

It's whether you're prepared to make smart decisions when it does.

Abdel's Angle: You Can't Control the Market, but You Can Control Your Execution

I've said it before, and I'll keep saying it: Preparation beats prediction.

Too many professionals spend their time trying to figure out what rates will do next instead of focusing on the opportunities already in front of them.

For real estate agents, this means educating clients, reviewing their financing options, and maintaining relationships. Buyers need clarity, not another headline telling them to wait.

For homebuyers, the right decision isn't necessarily about securing the lowest possible rate. It's about understanding your budget, long-term goals, and whether homeownership makes financial sense for your situation.

And for business owners, the final stretch of 2026 is an opportunity to evaluate what's working.

Are your systems generating consistent follow-ups? Are you using AI to improve efficiency? Is your database organized? Do you have a measurable plan for 2027?

A strong business doesn't depend on favorable conditions. It depends on disciplined execution.

Action Step of the Week: Build Your 30-Day Momentum Plan

Before the week ends, take one practical step toward your next goal.

For Referral Partners: Identify five prospects or past clients who may benefit from an updated mortgage conversation. Reach out with useful information, not a sales pitch.

For Homebuyers: Review your current purchasing power with a mortgage professional. Understand your estimated monthly payment, closing costs, and available financing options before making a decision.

For Business Owners: Audit one part of your business that needs improvement. Choose a process, lead follow-up, client communication, or scheduling, and establish a system that saves time and improves consistency.

The goal isn't to accomplish everything this week.

It's to create measurable progress that compounds over time.

Let's Finish 2026 With Intention

The market may remain unpredictable, but your business plan shouldn't be.

Focus on relationships. Strengthen your systems. Use technology intentionally. And most importantly, execute consistently.

The professionals who prepare today will be better positioned for tomorrow.

Want my 2026 Business Planning Workbook? Reply "Workbook."

Abdel Khawatmi with PRMG – Got Mortgages

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