How Can You Leverage Lower Rates To Close More Deals Before Year-End?

By John Salkowski

John Salkowski believes that anything worthwhile in life and business starts with being “Inspired By The Grind.”

Are you ready to take advantage of lower rates before the end of the year? In mid-September 2025, the Federal Reserve cut interest rates for the first time in over a year, lowering the benchmark rate in response to cooling inflation and shifting economic indicators.

While this move may seem like background noise to some, for real estate professionals, it could be a turning point. Buyer interest is rising. Confidence is shifting. And if you position yourself well, this could be the key to ending the year on a high note.

Here’s how to make the most of it.

1. Re-engage old leads with rate updates. Many agents have pre-approvals sitting in their CRM that haven’t been touched in months. A dip in rates is the perfect reason to reach out. Revisit the numbers with your clients and show them how their dream home could now be more affordable, or how they might qualify for something they couldn’t before. Framing the conversation around urgency is key because rates won’t stay low forever, and buyers who hesitate could miss their chance.

2. Give buyers a “why now” reason. Buyers often assume they can wait for the new year without consequence. That’s where you come in. By positioning today’s rates as an advantage, you can motivate them to act sooner. For example, a simple line like, “Buy now at a lower rate and refinance later if rates drop further. But if rates rise, this opportunity may disappear,” helps buyers see the immediate benefit while giving them reassurance. It’s a way to balance urgency with confidence.

3. Show sellers how lower rates help their listing. Lower rates don’t just benefit buyers. They can also be a huge advantage for sellers. When financing is more attractive, buyers are more motivated and offers tend to be stronger. Let your sellers know that this can help their listing move faster, avoid price reductions, and shorten time on market. Framing the market this way helps both sides see the opportunity and encourages smoother transactions.

If you want to finish the year strong, now is the time to act. Lower rates create the conversation starter, but your follow-up and guidance are what turn interest into closed deals. Whether it’s scripts, strategy, or a fresh plan for reaching out to old leads, taking action now can make a big difference.

Call, text, or email me if you want help getting started. I’d be happy to walk you through it.