Community/Rate cut expectations for 2026 — how are you planning your pipeline?
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Patrice Dunnbroker
Mar 30, 2026 at 8:00 AM
Rate cut expectations for 2026 — how are you planning your pipeline?
With the Fed signaling possible rate cuts later this year, I'm trying to figure out how to position my pipeline. Do I push borrowers toward longer-term bridge loans now (betting rates come down and they can refi into permanent financing)? Or do I keep recommending shorter terms and not try to time the market?
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Marcus WebbbrokerMar 30, 2026 at 9:00 AM
Patrice, I never try to time the market for my borrowers and I advise against it. The deal should work at current rates. If a rate cut makes it better, great. But if the borrower's exit depends on rates coming down, that's a red flag.
That said, I am having more conversations about 18-month bridge terms (vs. 12) to give borrowers more runway. That's not timing the market, that's prudent planning.
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Bill NakamuralenderMar 30, 2026 at 10:00 AM
From the lender side: we're not underwriting to projected rate cuts. The deal has to work today. If your borrower's exit strategy is "rates will come down," that's not an exit strategy.
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Shawn KelleybrokerMar 30, 2026 at 11:00 AM
lol everyone has been saying "rate cuts are coming" for 2 years. i'll believe it when i see it
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Floyd CannonbrokerMar 30, 2026 at 12:00 PM
I've heard "rates are coming down next quarter" since 2023. Don't plan your business around predictions. Plan it around deals that work today.