https://banksouthmortgage.com/loan-officer/shawn-stufflebeam/

Shawn Stufflebeam - NMLS #200800 - BankSouth Mortgage, 12620 Crabapple Road Bldg. F, Ste. 201, Milton, GA (2026)

11/24/2025

Your Monday Market Update is here—and the Fed is giving whiplash. 😵‍💫👇

Rates? Still in the high 5s to low 6s.
ARMs? Mid to high 5s.

Sounds steady… until you look under the hood.

Last week started slow—no data, no movement.
Then a very delayed September jobs report showed unemployment creeping up to 4.4%.

Cue: Bonds rally. Stocks dive.
And suddenly—volatility is back.

But here’s the twist…
The Fed is heading into its final meeting of the year without two of the most important economic reports it usually relies on:
🚫 October inflation
🚫 December jobs data

So how are they deciding what to do?

Depends who you ask… 🧐

Last week, several Fed officials doubled down on the “no cut needed” message → and markets tanked the odds of a cut.

Then NY Fed President John Williams walked it back, calling policy “modestly restrictive” and hinting there’s “room to adjust soon.”

Markets heard it loud and clear:
December rate cut odds jumped from 39% to 71%—in 24 hours.

Now we’ve got a packed week of housing + inflation reports that could shake things up again.

And if they don’t?
This range is where we’re staying—for now.

So if you’re in the market? Here’s the move:
✔ Lock now, float down if rates improve
✔ Refi later if they drop after you close
✔ Use a bridge loan if you’re buying before selling

And as always, I am here as a resource, send me a message! 🙋‍♂️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/20/2025

Welcome back to Realtors + AI: A Modern Love Story. 💌
Chapter 6 is live — and we’re talking about how busy agents get it all done (without losing their minds).

Because here’s the truth:

Most agents aren’t disorganized — they’re just over-capacity.
Everything’s “in their head,” and nothing’s actually in a system.

This chapter is for the agent who’s:
→ Halfway through a showing
→ Forgot to prep the listing going live tomorrow
→ Hasn’t followed up in a week
→ And still hasn’t figured out what they’re posting next

Here’s the fix:
👏 One daily check-in that replaces the mental scramble
👏 A listing prep playbook you don’t have to rebuild every time
👏 A showing-day plan that makes you look 10x more prepared
👏 A client touchpoint system that keeps you visible, without you having to remember it all

All of it?

Built by your Custom GPT — and saved once to reuse every week.

This is how top agents stay consistent — not by doing more, but by building smarter systems.

Save this one. Steal what works.

And get ready — Chapter 7 is about how to stay compliant and credible in everything you post. 👀

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/18/2025

Confused by the headlines? I’ve got you! 🙋‍♂️👇

Rates held steady in the high 5s to low 6s last week (with ARMs in the mid to upper 5s)… but the Fed? Basically walked in and said: “Don’t get too comfortable.”

Here’s what happened:

👉 Shutdown ended = data back online
👉 Private reports showed job losses
👉 Normally? That’s rate-friendly.
👉 But Fed speakers spent all week torching hopes for a December cut.

The message?
No clear labor breakdown = no policy easing.

Odds of a December cut dropped from 70% to under 50%—
A clear signal the Fed’s not rushing, and 👏 borrowers should be planning around the market we have, not the one we hope for. 👏

And this week? We’ve got CPI, housing starts, jobless claims, and 14+ Fed speeches.
One hot headline and rates could jump—again.

Meanwhile, two “solutions” are making noise in the affordability conversation:
👀 50-year mortgages (aka renting with extra steps)
👀 Portable mortgages (not what they sound like)

Both sound clever. Neither fixes the real issue: SUPPLY.

Here’s the bottom line:
You don’t need to time the market. You need a plan.

→ Lock now, float down later
→ Refi if rates fall after closing
→ Bridge loan if you need to buy before selling

Let’s build a mortgage strategy that works for you—no matter what headlines I’m posting each Monday (or Tuesday) 😉💪

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/14/2025

Welcome back to Realtors + AI: A Modern Love Story. 💌
Chapter 5 is live — and we’re talking video.

Because here’s the thing most agents won’t say out loud:

You know your stuff.
You’re great with clients.
And then you hit record… and forget how to be a human.

That’s where AI comes in.

Not to turn you into an influencer — but to help you sound like yourself on your best day.
The kind of “you” that’s clear, confident, and doesn’t spend 45 minutes rewriting a 30-second script.

This chapter shows you how to:
👉 Use AI to write short scripts in your voice
👉 Keep it casual, not canned
👉 Actually sound like a real person on camera
👉 And turn that one script into a caption, story, or post — without rewriting a thing

If you’ve ever put off video because it felt overwhelming, awkward, or like just another thing to do — this one’s for you.

Save it. Share it. Film something new — even if it’s just 15 seconds.

And get ready… because Chapter 6 is where we organize your entire week with AI. 🙌

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/13/2025

Welcome back to Realtors + AI: A Modern Love Story. 💌
Chapter 5 is live — and we’re talking video.

Because here’s the thing most agents won’t say out loud:

You know your stuff.
You’re great with clients.
And then you hit record… and forget how to be a human.

That’s where AI comes in.

Not to turn you into an influencer — but to help you sound like yourself on your best day.
The kind of “you” that’s clear, confident, and doesn’t spend 45 minutes rewriting a 30-second script.

This chapter shows you how to:
👉 Use AI to write short scripts in your voice
👉 Keep it casual, not canned
👉 Actually sound like a real person on camera
👉 And turn that one script into a caption, story, or post — without rewriting a thing

If you’ve ever put off video because it felt overwhelming, awkward, or like just another thing to do — this one’s for you.

Save it. Share it. Film something new — even if it’s just 15 seconds.

And get ready… because Chapter 6 is where we organize your entire week with AI. 🙌

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/13/2025

This was so much fun! The Mountain Road Elementary staff are awesome!

11/11/2025

Thank you to every veteran—for showing up, for serving, for giving more than most of us can ever imagine.

And to the families—thank you for the love, the patience, and the quiet strength it takes to keep going through it all.

So much of what we get to live, enjoy, and hold close is because of what you gave up.
And I don’t take that for granted. 🇺🇸🙌

11/06/2025

Welcome back to Realtors + AI: A Modern Love Story. 💌
Chapter 4 is live — and we’re talking CMAs that connect.

Because pulling comps isn’t the hard part.
It’s turning them into a message your clients actually understand — and TRUST.

This is where AI earns its spot in your toolkit.

Whether you’re:
👉 Breaking down pricing for a seller
👉 Framing comps for a buyer
👉 Or turning market data into something packet- or post-worthy…

You don’t need to rewrite the same explanation five different ways.

Your Custom GPT can turn one CMA into:
✔️ A seller script
✔️ A one-slide summary
✔️ A client-facing market update
✔️ A buyer-side version
✔️ A clear follow-up email

Same data. Five clean ways to use it.

And when it reflects your voice and your market?
It’s not just smart — it’s yours.

Save this one. Share it. Use it at your next appointment.

Chapter 5’s up next — and it’s all about making video easy and valuable. 🙌

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

11/03/2025

Your Monday Market Update is here—and this one comes with a twist. 👇

The Fed cut rates by 0.25% last week.

So… why did mortgage rates go up? 🤔

Here’s what happened:
→ The cut was expected (already priced in)
→ But Powell’s post-meeting message?
“December cuts are far from certain.”
Translation: the market got spooked.

Result?
→ Treasury yields jumped
→ Mortgage rates moved higher—ending the day around 6.33%

It’s a classic case of:
The market moves on what’s next, not what’s now.

And until inflation cools or the job market weakens, we’re probably staying in this upper 5s to low 6s range for a bit.

So if you’re asking… “Should I wait for rates to drop?”

Here’s the truth:

You don’t need to time it perfectly.
You need a plan that gets you a win no matter what the market does.

Let’s build a strategy that actually works for YOU. 🙋

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

10/30/2025

Welcome back to Realtors + AI: A Modern Love Story. 💌
Chapter 3 is live — and we’re talking follow-up that actually follows through.

Because here’s the truth:

Most agents want to stay in touch.
They just don’t have a system that makes it doable — or human.

This chapter fixes that.

We’re building a plug-and-play follow-up library that:
👉 Lives on your phone
👉 Covers every client stage
👉 Uses your own voice
👉 And takes 5 minutes a day to run

It’s not about writing the perfect message on the spot.
It’s about setting yourself up to never have to start from scratch again.

Because once your GPT knows your voice and your workflow…
“Hey, write a check-in to that buyer from yesterday” becomes a 15-second task.

This is how top agents follow up faster — and sound more like themselves doing it.

Save this one.
Build it once.
Use it daily.

This is your secret weapon for staying top of mind.

Check out Chapters 1 and 2 if you missed them — and stay tuned… we’re just getting started. 🫳🎤

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

10/27/2025

Last week?
About as exciting as watching paint dry.

Rates held in the high 5s, the 10-Year barely moved, and traders basically napped through it.

But under the surface?
Two stories worth watching. 👀

First—the Fed meets this week. A cut is basically locked in, but the TONE will matter more than the move. Calm weeks like this are usually the setup before something shifts.

Second—and this one’s flying under the radar…

The FHFA is finally reviewing the fees that quietly make most conventional loans more expensive.

If that review leads anywhere, we could see:
👏 Simpler, fairer pricing
👏 Lower upfront costs
👏 A little relief for middle-income buyers and refinancers

It’s early, but it’s the first real sign of momentum toward making loans cheaper—and honestly, it’s about time someone noticed.

Moral of the story?
Markets are calm for now, but good things are stirring underneath.

Stay ready. Strategy always beats timing. 💪

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐋𝐢𝐬𝐭𝐞𝐧𝐬
𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐭𝐡𝐚𝐭 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫

📲 678.458.2316
📧 [email protected]
🔗 banksouthmortgage.com/sstufflebeam

Shawn Stufflebeam - NMLS #200800 - BankSouth Mortgage

11/24/2025

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11/14/2025

11/13/2025

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