You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go?
Why Experts Say Mortgage Rates Should Ease Over the Next Year
BACKOctober 6, 2025
You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go?
Notice: We and our partners use cookies to give you the best online experience. Many cookies are essential to operate the website and its functions, others help keep the website secure, and some are used for statistical or marketing purposes. By clicking "I Accept", you consent to our use of cookies.
Cookies are small data files placed on your computer or mobile device when you visit a website. Website owners widely use cookies to make their websites work (or to work more efficiently) and provide reporting information.
Essential cookies are strictly necessary to provide you with the website and to use the features, such as access to secure, member-only, and private areas. Without these cookies the website will not operate properly.
Functional Cookies cookies are used to enhance the performance or functionality of the website but are non-essential. Without these cookies, however, certain functionality may become unavailable.
Analytics Cookies cookies collect information in aggregate form either (1) to help us understand how the website is being used or how effective marketing campaigns are, or (2) to help us customize the website for you.
Advertising cookies are used to ensure advertising messages are relevant to you, for instance, by preventing the same ad from reappearing continuously, ensuring that ads are correctly displayed, or, in some cases, selecting advertisements based on your interests.
The Real Estate Production Company DBA Blok ("Blok," "we," "us," "our") provides websites, hosting, digital marketing and other technology to our clients ("Clients") in the real estate industry. Our services help real estate professionals enhance their online presence and manage their digital marketing efforts
This Privacy Policy describes how we collect, use, and protect personal information when you visit the websites of our Clients. As a visitor to our Clients' websites ("Sites"), this policy applies to you. Our Clients' branding may be displayed on the Site you are interacting with, but Blok is responsible for providing the underlying technology and services.
If you are a visitor to one of our Clients' Sites, this Privacy Policy applies to you and describes Blok's policies and practices regarding the collection, use, and disclosure of your personal information. Blok provides these services solely as a service provider and data processor, using the personal information collected at the direction of our Clients.
This Privacy Policy does not apply to any websites, applications, or other online services that do not link to this policy, including other services provided by our Clients. Please contact the Client directly to learn about how they use your personal information.
We use your information to:
We do not sell or share your personal information with third parties for marketing or promotional purposes. We may share your information with:
Under the California Consumer Privacy Act (CCPA), California residents have the right to:
To exercise these rights, please contact us at ccpa@blok.co. We will respond to your request within 45 days.
We retain your information as long as necessary to provide our Services and comply with legal obligations. If you request deletion of your data, we will remove it unless we are compelled to retain it for legal reasons.
We use various security measures to protect your personal information. These include encryption, access controls, and regular security assessments. While we strive to ensure the security of your data, no method of transmission over the Internet or electronic storage is 100% secure.
We use cookies to enhance your experience on our site. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of our Services. For more information, please see our Cookie Policy.
We honor Do Not Track (DNT) signals and do not track, plant cookies, or use advertising when a DNT browser mechanism is in place.
Our site may contain links to third-party websites and services. We are not responsible for the privacy practices or content of these third-party sites. Please review their privacy policies to understand how they collect and use your information.
We use third-party services such as Google Analytics, Google Ads, and Meta Ads (formerly Facebook Ads) to:
These services may collect information about your use of our website, including your IP address, browser type, and browsing activities. The data collected by these third parties is used to provide insights into website traffic, user behavior, and marketing effectiveness.
You can learn more about how these third-party services use your data and opt-out of their data collection by visiting their respective privacy policies:
We adhere to FTC requirements regarding text messaging to protect you from unwanted and unlawful texts. This includes blocking texts from illegitimate numbers and providing a point of contact for reporting any issues. For more details on these requirements, please visit the FCC's website.
Although we do not currently transfer data internationally, we will ensure that any future international data transfers comply with applicable laws and regulations to protect your data.
In addition to CCPA rights, you may have the right to access, correct, or delete your personal information, object to or restrict processing of your data, and request data portability. Please contact us at legal@blok.co to exercise these rights.
In the event of a data breach, we will notify affected users within 72 hours of becoming aware of the breach, as required by applicable laws. We will take immediate steps to mitigate the breach and prevent future incidents.
We are committed to collecting only the personal data that is necessary for the purposes outlined in this policy. We take reasonable steps to ensure the accuracy and completeness of your personal information.
Our Services are not intended for use by children under 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete it.
We comply with the CAN-SPAM Act. You can opt-out of receiving our marketing emails by following the instructions at the bottom of each email or by contacting us at optout@blok.co. We will promptly honor your request to be removed from our email lists.
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website and updating the effective date. It is your responsibility to review this Privacy Policy periodically.
If you have any questions about this Privacy Policy, please contact us at:
Real Estate Production Company DBA Blok
PO 22582
901 Broadway
Nashville, TN 37202
legal@blok.co
Annie Baldo strongly respects copyright protections. We will respond as promptly as possible to any reports of copyright infringement on our primary and supplemental websites, and in any IDX displays and IDX content. Annie Baldo works within the guidelines of the US Digital Millennium Copyright Act ("DMCA") to address and rectify any and all reports and instances of copyright infringement.
Infringement Reporting Procedure. To report copyright infringement, please email (preferred), fax, or mail all of the below required information, in written English, to Annie Baldo (our contact information follows):
Copyright Agent Contact. Annie Baldo's Copyright Agent contact information is as follows. Email is our preferred method of communication.
Annie Baldo, Inc.
Attention: Annie Baldo DMCA/Copyright Designated Agent
(970) 379-4860
annie.baldo@compass.com
Take-Down Procedure. Upon receipt and verification of notice of infringement, Annie Baldo will remove the infringing materials, at its sole discretion. To the extent possible, Annie Baldo will notify the infringing party in writing after removal. Advance notice of removal is generally not possible.
Termination for Repeat Infringement. Annie Baldo reserves the right to terminate access, for any or all of our Software and Services, to any Party, if that Party is found to be repeatedly infringing copyrights.
Last updated: 10/8/2025
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