{"version":"1.0","type":"card","id":"f8443cc6-2e3b-4a2b-9363-68792fd3d4d4","url":"https://stacklist.com/card/f8443cc6-2e3b-4a2b-9363-68792fd3d4d4","title":"01 - Lower Mortgage Rates, More Buyer Options","source_url":null,"note":"Mortgage rates have dropped to 6.25% for a 30-year fixed mortgage, marking the biggest weekly decline in a year and signaling a downward trajectory for the coming months. This shift is creating a more balanced housing market with increased inventory (4.4 months of supply), offering buyers more options, negotiation power, and incentives, particularly from builders eager to move inventory.","image":{"url":"https://ucarecdn.com/213a49b7-ebfa-4dd5-92c0-58b0aa7163f3/","alt":"01 - Lower Mortgage Rates, More Buyer Options","width":1200,"height":630},"stack":{"id":"e0aa7518-e055-42ed-8cd9-cf54197d1077","title":"ERA ONETEAM Videos","url":"https://stacklist.com/stack/e0aa7518-e055-42ed-8cd9-cf54197d1077"},"created_at":"2026-09-30T18:36:12.751Z","updated_at":null,"aco":{"summary":"WOKV Spotlight discusses declining mortgage rates with ERA One Team broker Andrew Linn, reporting a 30-year fixed rate drop to 6.25% and increased buyer options in Northeast Florida's balanced market. Linn explains how lower rates and increased inventory (4.4 months supply) are giving buyers more negotiating power and entry opportunities into the home market.","tags":["mortgage-rates","real-estate","housing-market","florida","buyer-options","interest-rates","home-sales"],"key_entities":[{"name":"WOKV","type":"organization","confidence":0.95},{"name":"Freddie Mac","type":"organization","confidence":0.92},{"name":"ERA One Team","type":"organization","confidence":0.9},{"name":"Tammy Trahio","type":"person","confidence":0.88},{"name":"Andrew Linn","type":"person","confidence":0.95},{"name":"Andrew Linn","type":"person","confidence":0.95},{"name":"Northeast Florida","type":"location","confidence":0.9},{"name":"Florida","type":"location","confidence":0.92},{"name":"mortgage-rates","type":"concept","confidence":0.98},{"name":"balanced-market","type":"concept","confidence":0.85},{"name":"inventory-supply","type":"concept","confidence":0.88}],"classification":"video","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-09-30T18:37:17.386Z"},"token_counts":{"approximate":1165,"cl100k":1208},"content_hash":null,"acp_version":"0.2","body_available":true,"body_tokens":1165,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/f8443cc6-2e3b-4a2b-9363-68792fd3d4d4.json","html":"https://stacklist.com/card/f8443cc6-2e3b-4a2b-9363-68792fd3d4d4","md":"/api/public/card/f8443cc6-2e3b-4a2b-9363-68792fd3d4d4.md","stack_json":"/api/public/stack/e0aa7518-e055-42ed-8cd9-cf54197d1077.json"}}