Lisa Copeland Real Estate

09/10/2026

# The Fed Is Talking About Raising Rates Again. Here’s What Homebuyers Need to Know.

Just when many homebuyers were waiting for interest rates to come down, the conversation has changed.

The Federal Reserve is now facing renewed pressure to potentially RAISE rates.

Why?

Inflation.

New data released this week showed producer prices running hotter than the Fed would like. Now all eyes are on the next Consumer Price Index report and the Federal Reserve meeting September 15–16.

Here’s where I want homebuyers and sellers to pay attention.

**The Federal Reserve does NOT directly set mortgage rates.**

Mortgage rates are heavily influenced by the bond market, particularly longer-term Treasury yields, inflation expectations and expectations about what the Fed will do next.

That means mortgage rates can move BEFORE the Fed ever announces a decision.

And we're already seeing that pressure.

Higher rates create a very real affordability problem. A buyer doesn't shop based solely on the price of a house. They shop based on the monthly payment.

But here's the other side of this market that isn't getting enough attention:

**Buyers have more negotiating power than they have had in years.**

Inventory has increased. Homes are taking longer to sell. Sellers are negotiating. Builders are offering incentives. And in some transactions, buyers may be able to negotiate seller-paid closing costs or rate buydowns.

So should you wait?

Maybe—but don't assume waiting automatically saves you money.

If rates eventually fall, more buyers could come back into the market. That could mean more competition and less negotiating leverage.

If rates rise, waiting could mean a higher payment even if home prices don't move much.

There is no perfect national answer.

**The right question isn't, “What is the Fed going to do?”**

It's:

**“What opportunity exists for me in the market TODAY?”**

I've spent decades in mortgage and real estate, and one lesson continues to hold true: trying to perfectly time interest rates is incredibly difficult.

Understand the payment. Understand the market. Negotiate aggressively. Know your options.

Then make the decision that works for your life—not the headlines.

— Lisa Copeland
Lisa Copeland Real Estate

09/07/2026

Labor Day Is More Than a Three-Day Weekend

For many Americans, Labor Day means a three-day weekend, a barbecue, or the unofficial end of summer.

But that’s not why it exists.

**Labor Day was created to honor the American worker.**

The holiday traces its roots to the late 1800s, when many Americans worked long hours under difficult conditions.

On September 5, 1882, approximately 10,000 workers marched through New York City in what became known as America’s first Labor Day parade.

Their message was simple: **The people doing the work mattered.**

The idea spread, and in 1894, Labor Day became a federal holiday. Today, we celebrate it on the first Monday in September as a recognition of the contributions American workers have made to our country.

And I think that message matters just as much today.

America wasn’t built by companies or institutions alone.

**It was built by people.**

Someone built the house.

Someone taught the child.

Someone cared for the patient.

Someone drove the truck.

Someone made the sale.

Someone started the business.

Someone took the risk.

Someone showed up when quitting would have been easier.

Technology—and now AI—is dramatically changing how we work. But it hasn't changed one fundamental truth:

**Nothing meaningful gets built without people willing to do the work.**

I've spent my career in automotive, mortgage, real estate, sales and entrepreneurship, and I've seen that lesson over and over again.

Opportunity matters. Technology matters. Talent matters.

But eventually, somebody has to execute.

So as we celebrate Labor Day, let's remember what the holiday is really about.

**The workers. The builders. The entrepreneurs. The risk-takers. And the millions of Americans who get up every day and contribute something of value.**

Enjoy the day off.

But never forget the people whose work made the day worth celebrating.

**What are you building with the work you're doing today?**

09/05/2026

🏡 WE DON’T JUST SELL HOMES. WE FIGHT FOR HOMEOWNERSHIP.

Today, I’m especially proud to be a REALTOR®. 🇺🇸

After nearly two years of advocacy, the 21st Century ROAD to Housing Act is now law—bringing nearly 50 housing measures aimed at increasing supply, reducing barriers, expanding access to credit, and strengthening pathways to homeownership.

This didn’t just happen.

REALTORS® showed up. We advocated. We used our collective voice. And Washington listened.

Because our job is bigger than selling houses.

We fight for homeownership, property rights, housing opportunity—and the American Dream.

When REALTORS® come together, we can make a difference.

Today, I’m proud to be one of them. 🏡🇺🇸

09/04/2026

A quote from my book Lioness Unleashed www.Lionessbook.com

“A truly strong person does not need the approval of others any
more than a lion needs the approval of sheep.”

— Vernon Howard

Lioness Unleashed by Lisa Copeland - a powerful call for women to reclaim their voice, rise with courage, and lead with clarity using the R.O.A.R. framework.

09/04/2026

🚨 **SELF-EMPLOYED AND BEEN TOLD YOU CAN’T QUALIFY FOR A HOME? READ THIS.**

You can own a successful business.
You can have money in the bank.
You can have great cash flow.

And still hear **“NO”** from a traditional mortgage lender because of the way your income shows up on your tax returns.

But that may **NOT** be the end of the story.

🏡 There is an FHA loan program that may offer another path for qualified self-employed borrowers and business owners:

✅ As little as **5% down**
✅ **640+ credit score**
✅ **2+ years in business**
✅ Qualification may use **business income or deposits**
✅ **Tax returns may not be required**
✅ Available for many types of self-employed borrowers and business owners

If you’ve been told you don’t qualify because you’re self-employed, **don’t automatically assume you can’t buy a home.**

Your income may not be the problem.

**The way your income is being documented may be the problem.**

Before you give up, get a second opinion.

📩 DM me **“BUSINESS OWNER”** and let’s look at your situation.

You worked hard to build your business. Now let’s find out if there’s a smarter path to homeownership.

*Loan programs are subject to lender guidelines, borrower qualification, property eligibility, and applicable FHA requirements. Terms and availability may vary.*

08/06/2026

Another great week in Central Texas real estate! 🎉

I'm excited to celebrate both **UNDER CONTRACT** and **CLOSED** properties this week!

✅ **UNDER CONTRACT**

🏡 **10401 Tweedmuir Trail, Austin, TX** – Represented the **buyers**
Listed at **$875,000**

🏡 **1284 Ambrose, Salado, TX** – Represented the **sellers**
Listed at **$849,900**

🎉 **CLOSED**

🏡 **1414 Eagle Cove, Copperas Cove, TX** – Represented the **sellers**
Listed at **$849,000**
Co-listed with **Nichile Jack Johnson**

I continue to be very bullish on the Central Texas real estate market. Buyers and sellers are making moves at a rapid pace, and I'm seeing strong activity across our market. If you've been waiting for the "right time," don't sit on the sidelines—opportunities are happening every day.

If you're thinking about buying or selling, I'd love to help you develop a strategy and make your next move with confidence. Let's have a conversation!

🌐 [www.lisacopelandrealestate.com](http://www.lisacopelandrealestate.com)

A heartfelt thank you to my incredible clients for trusting me to guide you through one of life's biggest decisions. It is truly an honor to represent you, and I never take that trust for granted. Congratulations to everyone on these exciting milestones!

08/04/2026

Just released: AGNT Q2 2026 results. 📈

A record revenue quarter. Continued transaction growth.
More agents choosing to build their business on the AGNT platform.

Built by agents. Built for agents.

📄 Read the official press release: https://ow.ly/vBLp50ZwiEY
🔥 Join our fireside chat today at 2 p.m. PT / 5 p.m. ET: https://ow.ly/BTTz50ZwiEZ
🎥 Watch live on YouTube: https://www.youtube.com/watch?v=Wy49rgulIso

08/02/2026

The Texas Stock Exchange officially rang the closing bell Friday, marking the first day all listed stock symbols were available for trading. Headquartered in Dallas, the new exchange is aiming to give companies another option alongside the New York Stock Exchange and Nasdaq, making it the first new major national stock exchange to launch in the U.S. in decades.

The exchange has attracted backing from some of the biggest names in finance and is part of Texas’ continuing rise as a financial powerhouse. With more companies relocating their headquarters to the Lone Star State, supporters believe Dallas is well-positioned to become an even bigger player in the world of finance.

Whether it eventually reshapes the stock market or simply becomes another strong option for businesses, one thing is clear: Texas isn’t just competing anymore it’s building its own table.

Wall Street… meet Y’all Street. 🤠💰

08/02/2026

Salado ISD is opening a new 250,000-square-foot high school campus in time for the upcoming school year, complete with a 5,000-seat football stadium and expanded career and technical education spaces. Read more at the link in the comments.