# Weekly Rate Watch Newsletter Template

Use this template for weekly subscriber-style rate summaries.

## Format

```
🏠 FHA, VA & USDA Rate Watch — Week of [DATE]

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📊 THIS WEEK'S RATES

FHA 30-Year Fixed:   X.XX%  (▲/▼ X.XX from last week)
VA 30-Year Fixed:    X.XX%  (▲/▼ X.XX)
USDA 30-Year Fixed:  X.XX%  (▲/▼ X.XX)

Conventional 30-Yr:  X.XX%  (for comparison)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💰 WHAT IT MEANS

$250,000 loan at today's FHA rate:
  Monthly P&I: $X,XXX
  vs. last week: ▲/▼ $XX/month

$350,000 loan at today's VA rate:
  Monthly P&I: $X,XXX
  vs. last week: ▲/▼ $XX/month

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📈 TREND CHECK

[Direction]: Rates [rose/fell/held steady] this week.
[1-2 sentences on market drivers: Fed signals, inflation data,
employment reports, Treasury yields, etc.]

4-Week Trend:
  Week 1: X.XX% → Week 2: X.XX% → Week 3: X.XX% → This week: X.XX%

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🔍 PROGRAM SPOTLIGHT

[Rotate weekly between FHA, VA, and USDA highlights.
Example: "VA Loan Tip: Disabled veterans are exempt from
the VA funding fee, saving up to 3.3% of the loan amount."]

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⚠️ DISCLAIMER
Rates shown are national averages from public sources. Your actual
rate depends on credit score, lender, loan amount, and other factors.
This is not financial advice. Consult a licensed mortgage professional.

Sources: [list sources]
```

## Tone Guidelines

- Informative, not salesy
- Plain language over jargon
- Always include the disclaimer
- Rotate the program spotlight section to keep it fresh
- Include actionable context ("rates dropped — good week to get pre-approved")