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💡 Smart Starters™ | April 22nd – Gold Is Spiking, The Fed Is Talking, and Student Loans Are Stirring Up Trouble

Welcome to your Florida real estate and mortgage update — the quick guide to what’s actually moving the market today.

No boring econ-speak. Just the trends that could impact your interest rate, loan approval, or ability to buy or sell in the Sunshine State.

🪙 Gold Just Hit $3,500/oz — and That Could Mean Higher Mortgage Rates

Gold prices just broke a new record — $3,500 an ounce, up over 30% this year.

Why?

• Investors are worried about inflation

• The U.S. dollar is weakening

• Political tensions (yes, including Trump vs. the Fed)

• Central banks are buying gold like it’s going out of style

👉 What this means for Florida homebuyers:
When gold rises, it’s usually a sign of market fear — and that can cause interest rates to go up.
So whether you're shopping in Tampa, Fort Lauderdale, or Orlando, this could affect your monthly payment.

🎤 The Fed Is Talking (A Lot) — 5 Speeches in One Day

Here's today's schedule of Federal Reserve speeches:

• 9:00 am – Jefferson

• 9:30 am – Harker

• 1:00 pm – 🚨 2-Year Treasury Auction

• 2:00 pm – Kashkari

• 6:00 pm – Kugler

💡 Florida Mortgage Tip:
The 2-Year Treasury Auction is a big deal. If demand is weak, bond yields jump — and that can push up mortgage rates before the day is over.

🎓 Student Loans Are Back — And It Could Hurt First-Time Buyers

Starting next month, the government is sending defaulted student loans to collections again.

Here’s the impact:

• 5.3 million borrowers are already behind

• Credit scores are dropping fast

• Forgiveness programs (like PSLF) may shrink

💡 Florida Real Estate Reality:
If you’ve got student loans and want to buy in Florida, lenders will be watching closely.
Defaults can block your approval, even with a good job and down payment.

🔍 Let’s Break It Down

What’s a 2-Year Treasury Auction?
The government sells debt. If investors say “no thanks,” interest rates rise — and so do mortgage rates.

Why does gold matter in real estate?
It’s a fear gauge. When people run to gold, banks get cautious — and loans get pricier.

Why should you care about student loans if yours are paid off?
Fewer approved buyers = less competition = price pressure in local Florida markets.

📊 Poll: What’s the Next “Safe” Investment?

🟡 Gold
🪙 Silver
💵 U.S. Dollar
🥫 Canned goods (hey, no judgment)

💬 Final Takeaway for Florida Homebuyers & Sellers:

• If you’re considering buying, now’s the time to monitor rates closely.

• If you’re a seller, remember buyers are dealing with affordability shifts.

• If you’ve got student loans, make sure they’re current — or talk to your lender ASAP.

Need help navigating today’s market?
Let’s talk — we're here to help you make Florida your home.

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