Generate Adam Styer's weekly rate update for real estate agents — a text message version, website landing page content with the full rate table and market commentary, and a simple teaser email that drives agents to the website. Use this skill whenever Adam mentions "rate update", "rate text", "weekly rates", "send rates out", "rate sheet", "what are rates", or anything about sending current mortgage rate information to his agent partners. Even casual mentions like "rates moved this week, let me send something out" or "here are this week's rates" should trigger this skill. Always use it when Adam provides mortgage rate data and wants to distribute it to real estate agents.
Adam's rate update system has three outputs:
The text message gives agents the numbers. The website gives them the context. The teaser email drives them to the website (retargeting pixels fire, SEO value, professional presentation without HTML email headaches).
references/apr-calculations.mdDo NOT ask clarifying questions unless rates are genuinely missing or ambiguous. Adam wants speed.
Adam will typically provide rates in a loose format like:
The standard product lineup (adjust if Adam provides different products):
Read references/apr-calculations.md for the detailed APR calculation methodology and
assumptions for each loan product.
The key principle: APR reflects the true annual cost including fees spread over the loan term. Each product type has different fee structures that affect the APR differently.
Before writing the blurb, do a quick web search for:
Keep research fast — 1-2 searches max. Use this to write an informed market blurb that sounds like Adam, not like a news article.
The text message is the quick-reference version agents keep on their phone. It stays self-contained — no links needed since agents want to glance at numbers mid-conversation.
Follow this exact structure:
National 30-Year Average: [X.XX]%
Conventional:
30-yr fixed (Primary): [rate]% | [APR]%
15-yr Fixed: [rate]% | [APR]%
30-yr Jumbo: [rate]% | [APR]%
VA 30yr: [rate]% | [APR]%
FHA 30-yr: [rate]% | [APR]%
FHA 5 yr ARM: [rate]% | [APR]%
(Based on 740 credit, 20% down for Conventional primary | no discount points or origination fees)
[2-3 sentence market blurb]
Tone: direct, confident, authoritative. Adam is the expert these agents trust for rate intelligence. No fluff, no hedging. Say what's happening and what it means for their buyers.
Think: "texting a colleague who relies on your take."
Good examples:
Bad examples (never write like this):
This is the full rate update that lives on Adam's website. His site has <!-- START CONTENT -->
and <!-- END CONTENT --> markers — generate ONLY the HTML content that goes between those
markers. No <html>, <head>, <body> scaffolding.
Use inline styles on every element. No CSS classes, no <style> blocks.
The website version includes everything the text has plus more depth:
<h2 style="margin: 0 0 15px 0; color: #0f172a; font-size: 26px; font-weight: 700; line-height: 1.3;">
Weekly Rate Update
</h2>
<p style="margin: 0 0 20px 0; color: #64748b; font-size: 14px;">
[Date] · Adam Styer, NMLS# 1591282
</p>
<!-- National Average Callout -->
<div style="background: #f0f5fa; border-left: 4px solid #1a3a5c; padding: 16px 20px; margin: 0 0 25px 0; border-radius: 0 8px 8px 0;">
<p style="margin: 0 0 4px 0; font-size: 12px; color: #666; text-transform: uppercase; letter-spacing: 1px;">National 30-Year Average</p>
<p style="margin: 0; font-size: 28px; font-weight: 700; color: #1a3a5c;">[X.XX]%</p>
</div>
<!-- Rate Table -->
<table style="width: 100%; border-collapse: collapse; margin: 0 0 25px 0;">
<tr>
<td style="padding: 10px 12px; font-size: 12px; font-weight: 700; color: #666; text-transform: uppercase; letter-spacing: 1px; border-bottom: 2px solid #1a3a5c;">Product</td>
<td style="padding: 10px 12px; font-size: 12px; font-weight: 700; color: #666; text-transform: uppercase; letter-spacing: 1px; border-bottom: 2px solid #1a3a5c; text-align: center;">Rate</td>
<td style="padding: 10px 12px; font-size: 12px; font-weight: 700; color: #666; text-transform: uppercase; letter-spacing: 1px; border-bottom: 2px solid #1a3a5c; text-align: center;">APR</td>
</tr>
<!-- One row per product -->
<tr>
<td style="padding: 12px; font-size: 15px; color: #334155; border-bottom: 1px solid #e5e5e5;">[Product Name]</td>
<td style="padding: 12px; font-size: 15px; color: #334155; border-bottom: 1px solid #e5e5e5; text-align: center; font-weight: 600;">[Rate]%</td>
<td style="padding: 12px; font-size: 15px; color: #334155; border-bottom: 1px solid #e5e5e5; text-align: center;">[APR]%</td>
</tr>
</table>
<p style="margin: 0 0 25px 0; font-size: 11px; color: #999; font-style: italic;">
[Assumptions: 740 credit, 20% down for Conventional primary, no discount points or origination fees]
</p>
<!-- Market Commentary - expanded version -->
<div style="border-top: 2px solid #e2e8f0; margin: 10px 0 25px 0;"></div>
<h3 style="margin: 0 0 15px 0; color: #1a3a5c; font-size: 18px; font-weight: 700;">
This Week in Rates
</h3>
<!-- 2-3 short paragraphs of market commentary -->
<p style="margin: 0 0 18px 0; color: #334155; font-size: 16px; line-height: 1.7;">
[Paragraph 1: What happened this week with rates and why]
</p>
<p style="margin: 0 0 18px 0; color: #334155; font-size: 16px; line-height: 1.7;">
[Paragraph 2: What's coming next week that could move rates]
</p>
<p style="margin: 0 0 18px 0; color: #334155; font-size: 16px; line-height: 1.7;">
[Paragraph 3: What this means for their business right now]
</p>
The website gets more depth than the text blurb. 2-3 short paragraphs covering:
Still Adam's voice. Still short paragraphs. Agents skim even on a website.
The teaser email goes through Jungo. Dead simple — almost plain text. Same approach as the newsletter teasers.
[2-3 sentences that tell agents rates are out and give them a reason to click]
This week's full rate breakdown + market intel: [LINK]
— Adam
The [LINK] placeholder is where Adam pastes his actual URL.
Good teaser examples:
Bad teaser examples:
Save to the outputs folder:
rate-update-text-YYYY-MM-DD.txt — text message, ready to paste into group textrate-update-content-YYYY-MM-DD.html — website content for between the START/END CONTENT markersrate-update-teaser-YYYY-MM-DD.txt — teaser email for JungoUse today's actual date. Always provide computer:// links to all files plus a subject line for the teaser email (under 50 characters).
<style> blocks