Real Estate Agent Market Update and Mindset Podcast

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Stop spending money to get real estate leads. Learn three simple, free strategies to build your business and find clients today.

Many agents fall into the trap of thinking they need a massive budget to succeed. In my first year as a real estate agent, I closed over 30 transactions without buying a single lead. The secret is shifting your mindset from chasing commissions to coming from a place of contribution.

Whether you are brand new or looking to grow your real estate business, these methods will help you stay top of mind. We will cover how to leverage your existing network, turn open houses into genuine opportunities for client generation, and build a databank that works for you. This is about consistent habits and confidence, not paid advertising.

Subscribe for weekly real estate coaching tips, and let me know in the comments what your biggest challenge is with finding new clients.

Here's what you'll learn:

✅ Why you need to stop being a secret agent and start showing up with confidence

✅ How to turn open houses into lead-generation opportunities before, during, and after the event

✅ Why your databank—not just your database—could be one of your most valuable business-building resources

✅ How to start conversations without feeling pushy or salesy

✅ Simple actions you can take over the next 7 days to create more opportunities

Whether you're a brand-new real estate agent looking for your first clients or an experienced agent who wants more consistent closings, these strategies can help you build a stronger foundation.



**WANT MORE REAL ESTATE TRAINING & SUPPORT?**
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I'm Angie Gerber, REALTOR®, real estate coach, and mentor. I've been in real estate since 2014, and I help agents build successful businesses through lead generation, consistent habits, confidence, and practical training.

Remember: Conversations = Currency!

Come from contribution, not commission.

#RealEstateLeadGeneration #RealEstateAgentTraining #HowToGetRealEstateClients
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-----------------------------------------

00:00 How to Get Real Estate Clients Without Buying Leads
00:35 Don't Be a Secret Agent
02:30 Social Media: Become a Real Estate Resource
04:00 Open Houses: More Than a Two-Hour Event
05:45 How I Found Buyers My First Year
07:20 Databank, Not Database
09:15 How to Stay Top of Mind and Build Trust
10:40 Your 7-Day Lead Generation Challenge
11:35 What to Watch Next

#realestate #realestateagent 
#realestatecoach

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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Your buyers just got their inspection back and they want to ask the seller for $10,000.

Do they ask for a price reduction or seller paid closing costs?

Most agents default to the price reduction. But a $10,000 price drop only saves about $60 a month.

That same $10,000 in seller concessions could fund a 2-1 buydown and save hundreds of dollars a month in the first two years.

In this week’s Monday Market Update, Nikki Erickson from Kevnik Mortgage walks through a real scenario from an agent call last week and breaks down the math so you can have this conversation with confidence.

This week we are covering:
✅ Interest rate update — upper sevens on a 30-year fixed conventional, lower sevens with a buydown
✅ Why buyers pre-approved months ago need to check in with their lender now
✅ Seller paid closing costs vs price reduction after inspection
✅ The real math on a $400,000 purchase — what $10,000 off actually saves each month
✅ How to use seller concessions for a 2-1 buydown
✅ Why how long your buyers plan to stay matters
✅ The $6 per thousand rule of thumb
✅ Whether rates could rise again before year end and what is driving them
✅ Why the 2-1 buydown is a power tool in this market

The general message this week is simple. Do not default to asking for a price reduction. Get your lender involved, run the numbers for your buyer’s situation and budget, and let the math decide. Numbers do not lie.

Example figures are for illustration only — every buyer’s scenario is different, so always run the numbers with your lender.

Share this with every buyer agent you know.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Week of October 12th
00:08 Interest Rate Update – Upper Sevens and Why Buyers Should Recheck Their Pre-Approval
00:45 Seller Paid Closing Costs vs Price Reduction – A Real Inspection Scenario
01:20 The Math – What a $10,000 Price Reduction Really Saves Each Month
01:55 Using Seller Concessions for a 2-1 Buydown
02:40 Having the Conversation With Your Buyers – Let the Lender Do the Math
03:05 How Long They Plan to Stay and the $6 Per Thousand Rule of Thumb
03:35 Rule Changes – A Welcome Lull
03:50 Will Rates Go Up Again Before Year End?
04:25 The 2-1 Buydown Power Tool and How to Reach Nikki
  
#realestate #lender  #mortgagerates #mortgagerates 

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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Your seller just got an offer with a USDA loan. Before they say no, they need to hear this...

USDA loans have zero down payment, a lower upfront fee than FHA, lower mortgage insurance than FHA, appraisals that follow conventional guidelines — and starting September 1st, some lenders can now close them in 30 days instead of 45.

With USDA funding renewing on October 1st, this is the perfect time to understand rural development loans and the pool of buyers they open up for your listings.

In this week's Monday Market Update, Nikki Erickson from Kevnik Mortgage breaks down everything agents need to know — and I share a reminder about creating your own economy no matter what the market is doing.

This week we are covering:
✅ Interest rate update — high sevens and low eights, and strategies for buyers who were pre-approved in the six to seven range
✅ Why October 1st matters — USDA renews its fiscal year funding
✅ The updated USDA eligibility maps and why half a city can qualify while the other half does not
✅ USDA perks — zero down, 1% upfront fee vs 1.75% FHA, 0.35% mortgage insurance vs 0.55% FHA
✅ Why USDA appraisals follow conventional guidelines — not FHA or VA
✅ Delegated authority — the change that lets USDA loans close in 30 days instead of 45
✅ How down payment assistance can work with USDA so buyers bring almost nothing to closing
✅ How to check any property's USDA eligibility in seconds
✅ Create your own economy — why people still need your help right now
✅ Why your future pipeline is built when rates are high

The general message this week is simple. Do not let your sellers dismiss a USDA offer, and check your rural-area listings for USDA eligibility so you can open them up to buyers with no down payment. And remember — the market does not decide your business. You do.

Share this with every agent you know who works outside the metro.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – First Full Week of October
00:10 Interest Rate Update – High Sevens Low Eights and Strategies for Pre-Approved Buyers
01:00 October 1st USDA Funding Renewal and the New Eligibility Maps
02:20 USDA Perks – Zero Down, Lower Upfront Fee and Lower Mortgage Insurance vs FHA
03:10 USDA Appraisals Follow Conventional Guidelines – What Sellers Need to Know
03:40 Delegated Authority – USDA Loans Now Closing in 30 Days Instead of 45
04:50 Down Payment Assistance on USDA – Buyers Bringing Zero to Closing
05:30 How to Check USDA Property Eligibility and How to Reach Nikki
05:55 Create Your Own Economy – People Still Need Your Help
07:15 Your Future Pipeline Is Built When Rates Are High
  
#realestate #lender  #mortgagerates #mortgagerates #fanniemae  #fha

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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Condo rules just changed again.

If you have a buyer putting 10% or more down on a condo, you used to be able to get away with a limited review.

Not anymore.

Fannie Mae and Freddie Mac have eliminated the limited condo review, which means every single condo loan now requires a full review. That means deeper looks at reserves, delinquencies, special assessments and insurance on every deal.

In this week's Monday Market Update, Nikki Erickson from Kevnik Mortgage breaks down exactly what changed, why it keeps happening, and what you need to be doing right now as a listing agent or a buyer agent.

This week we are covering:
✅ Interest rate update — solidly into the sevens with oil hitting $94 a barrel and major market volatility
✅ Fannie Mae and Freddie Mac eliminating the limited condo review
✅ The 10% reserve requirement and when a reserve study can help
✅ The 15% delinquency limit on HOA dues and special assessments
✅ The condo database every project now has to run through
✅ The 50% investor ownership rule that was dropped — good news
✅ Fidelity and crime coverage now required on every condo
✅ Why all of this traces back to the Miami condo collapse
✅ FHA and VA spot approvals — 45 days vs about 20 days
✅ How to check whether a condo has had FHA sales using your MLS and the HUD approved condo list
✅ Why ordering the full HOA packet should be step two of every condo listing

The general message this week is simple. Stop waiting for an offer to find out whether a condo is financeable. Order the full HOA packet as soon as the listing agreement is signed, get it in front of your lender, and on the buyer side use your review period to work with your lender. If condos are on the table, call Nikki.

Share this with every agent you know who touches condos.

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: @mortgagesfrommntoaz

🏠 JOIN THE REAL ESTATE BUSINESS BUILDER COMMUNITY:
👉 https://www.skool.com/rebusinessbuilder/about

📞 BOOK YOUR FREE STRATEGY CALL:
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00:00 Introduction – Last Week of September Heading Into October
00:15 Interest Rate Update – Solidly Into the Sevens and What Is Driving It
01:15 Fannie Mae and Freddie Mac Eliminate the Limited Condo Review
02:30 The 10% Reserve Requirement and Reserve Studies
03:15 Delinquency Limits – HOA Dues and Special Assessments
04:15 Condo Database, Common Elements and the Investor Rule That Was Dropped
05:15 Fidelity and Crime Coverage – The New Insurance Requirement
06:15 Why Condo Rules Keep Changing – The Miami Collapse
07:15 FHA and VA Spot Approvals – 45 Days vs 20 Days
09:45 Action Steps for Listing and Buyer Agents Plus How to Reach Nikki

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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VA just made five major changes to its property and appraisal requirements. As of September 1st.

For years, VA offers have carried a reputation with sellers of being harder to close, with more inspections, more repairs and more delays. That reputation has cost veterans homes in competitive markets.

That is changing.

In this week's Monday Market Update, Nikki Erickson from Kevnik Mortgage and I break down every one of the VA changes. We also cover the brand new 2027 loan limits and what they mean for your buyers and sellers.

This week we are covering:
✅ Interest rate update: rates are back in the high sixes to low sevens after last week's Fed rate hike
✅ Will the Fed raise rates again before the end of the year?
✅ VA removes the radon test requirement for post-1978 homes
✅ Peeling and chipping paint rules relaxed on post-1978 homes
✅ Detached garages, sheds and ADUs are no longer held to the same appraisal standard
✅ VA loosens heating source requirements, so vented heat is no longer required
✅ VA is working to cut appraisal turnaround from 10 days down to 7 business days
✅ New 2027 conforming loan limit ($845,000) and FHA loan limit ($549,250), and when lenders will start using them
✅ Why this matters for your buyers, your sellers and anyone upsizing or downsizing in the next few months

The general message this week is simple. VA is moving toward making its offers just as smooth as conventional. If you've ever hesitated to recommend a VA offer to a seller, this episode is going to change how you talk about it.

I say it every week and I'll say it again: who you partner with matters. That's why I bring Nikki on every Monday.

Share this with every agent you know.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Week of September 20th and This Week's Rate Update
00:35 The Fed Rate Hike – Will They Raise Again Before the End of 2026?
01:30 VA Loosens Appraisal Rules – 5 Big Changes Explained
01:50 Change #1 – No More Radon Test Requirement
02:40 Change #2 – Peeling and Chipping Paint Rules Relaxed
03:30 Change #3 – Detached Garages, Sheds and ADUs Held to a Lower Standard
04:30 Change #4 – Heating Source Requirements Loosened
05:20 Change #5 – Faster VA Appraisals From 10 Days Down to 7
07:26 New 2027 Conforming and FHA Loan Limits – When You Can Use Them
09:38 Why This Matters for Your Buyers and Sellers Right Now
  
#realestate #lender  #mortgagerates #mortgagerates #fanniemae  #fha

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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FHA minimum property requirements have not been updated in over 20 years. Since the 1990s.

And that has been quietly holding FHA buyers back in competitive markets for decades — making their offers less attractive to sellers and closing off properties that conventional buyers could purchase without a second thought.

That is finally changing.

In this week's Monday Market Update Nikki Erickson from Kevnik Mortgage 
breaks down everything HUD and FHA are reviewing and changing right now — 
and what it means for every listing agent and buyer agent watching.

This week we are covering:
✅ Interest rate update — back in 
   the high sixes and low sevens 
   with the Fed meeting this week
✅ Why the Fed is considering a 
   0.25% rate increase and what 
   to tell your clients
✅ FHA minimum property standards — 
   the biggest review in over 
   20 years and what is changing
✅ Well distance requirements — 
   what FHA just eliminated for 
   existing properties
✅ Repairs after closing — the 
   game changing proposal that 
   could eliminate the most common 
   FHA deal killer
✅ Peeling paint in Minnesota — 
   why moving this to a post-closing 
   requirement would be massive 
   for our market
✅ FHA 203K loans — new flexibility 
   that gives buyers and agents 
   more options than ever
✅ How to flip a regular FHA loan 
   to a 203K without reapplying — 
   a deal saver most agents do 
   not know about
✅ The message to share with your 
   sellers right now — FHA is not 
   what it used to be

The general message this week is 
simple. FHA is not as restrictive 
as it used to be. Changes are coming 
before the end of the year and into 
Q1. And just because it is an FHA 
offer does not mean you should not 
consider it.

Share this with every listing agent you know.

This is brand new information and most agents and lenders do not even know about it yet.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Week of 
      September 13th
00:30 Interest Rate Update – Back 
      in the High Sixes Low Sevens 
      and What Is Driving It
01:30 Fed Meeting This Week – Will 
      They Raise Rates by 0.25%?
02:30 FHA Minimum Property Standards 
      – The Biggest Change in 20 Years
03:30 Well Distance Requirements – 
      What Just Changed for FHA Buyers
04:30 Repairs After Closing – The 
      Game Changing FHA Proposal
05:30 Peeling Paint in Minnesota – 
      Why This Change Is Huge
06:00 FHA 203K Loans – New Flexibility 
      Every Agent Needs to Know
07:30 Flipping a Regular FHA to a 
      203K – No Reapplication Required
08:30 The Message for Sellers – 
      FHA Is Not What It Used to Be
09:00 How to Reach Nikki Erickson 
      at Kevnik Mortgage
  
#realestate #lender  #mortgagerates #mortgagerates #fanniemae  #fha

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

Send us Fan Mail

This week we have one of the most 
significant changes to hit the mortgage 
industry in years — and it directly 
affects any agent or buyer who is 
planning to rent out their current 
home to buy a new one or who is 
purchasing investment properties.

Fannie Mae just completely overhauled 
how rental income is calculated for 
qualifying purposes. And if your 
clients have not re-qualified under 
the new guidelines their pre-approval 
may no longer be accurate.

This week we are covering:
✅ Interest rate update — steady in 
   the six and a half to seven range 
   despite some volatility this week
✅ Fed watch — reports coming out 
   this week that will determine 
   whether the Fed raises rates again
✅ Fannie Mae's major overhaul of 
   how rental income is calculated 
   for qualifying borrowers
✅ The old policy vs the new policy — 
   what changed and exactly why 
   Fannie Mae made this move
✅ Departure residences — the biggest 
   change and what it means for 
   clients who want to rent their 
   current home and buy a new one
✅ When you can still use a lease 
   agreement — the very specific 
   exceptions that remain
✅ The new six months reserve 
   requirement for departure residences
✅ Short term rental income — the 
   positive change most agents 
   are completely missing
✅ DSCR loans — when it makes more 
   sense to switch your client to 
   this option instead
✅ The most important action step — 
   have every relevant client 
   re-qualify right now

If you have any clients who are 
planning to rent out their current 
home and purchase a new one — 
or any clients looking at investment 
properties — this episode is required 
watching before your next conversation 
with them.

This is brand new information and 
most agents and lenders do not even 
know about it yet.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Week of September 
      6th and What Is Coming
00:30 Interest Rate Update – Steady 
      in the Six and a Half to Seven 
      Range Despite Volatility
01:30 Fed Watch – Will They Raise 
      Rates Again and What Reports 
      to Watch This Week
02:30 MAJOR CHANGE – Fannie Mae 
      Overhauls How Rental Income 
      Is Calculated
04:00 The Old Policy vs The New Policy 
      – What Changed and Why
06:00 Departure Residences – The 
      Biggest and Most Important Change
08:30 When You Can Still Use a Lease 
      Agreement – The Key Exceptions
10:30 Six Months Reserves Now Required 
      for Departure Residences
11:30 Short Term Rental Income – 
      The Positive Change Most 
      Agents Are Missing
13:00 DSCR Loans – When to Switch 
      Your Client to This Option
14:30 Action Step – Have Your Clients 
      Re-Qualify Under the New Rules
16:00 How to Reach Nikki Erickson 
      at Kevnik Mortgage
#realestate #lender  #mortgagerates #mortgagerates #fanniemae

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

Send us Fan Mail

This week we have some really exciting 
news from a credit and lending standpoint 
that could completely change the buyer 
pool for real estate agents in the 
next six months.

Plus some important clarification 
on why the national mortgage rate 
you see when you Google is not 
actually what your buyers should 
expect to pay.

This week we are covering:
✅ Interest rate update — Fed Chair 
   Jerome Powell's Jackson Hole 
   comments and what they mean 
   for rates through the end of year
✅ Mid to high sixes through the 
   end of 2025 — what to plan for 
   and how to talk to clients about it
✅ Why the national average mortgage 
   rate you see online is a survey 
   not an actual rate — and how 
   to explain this to your buyers
✅ Vantage 4.0 and FICO 10T — 
   the new credit scoring models 
   now being used on conventional 
   conforming loans
✅ Trending credit — how the Vantage 
   score can tell the difference 
   between debt being paid down 
   and debt that is increasing — 
   and why that is a game changer
✅ Medical collections no longer 
   count on the Vantage score — 
   what that means for your buyers
✅ How renters can get their rental 
   payment history on their credit 
   report through Experian FICO Boost
✅ How a rapid rescore works and 
   when it can help your buyers 
   qualify faster
✅ How long it takes for the Vantage 
   score to start trending up — 
   three payments
✅ FHA and Vantage scoring — why 
   10 million new buyers could 
   qualify in the next six months
✅ Small business owners and credit — 
   why the Vantage score is a huge 
   advantage for business owners 
   who pay off their cards monthly

This is one of the most exciting 
episodes we have done all year 
from a lending and buyer pool 
standpoint. The changes coming 
in the next six months could 
dramatically affect how many 
buyers are in your market.

Make sure you are talking to 
every renter in your database 
right now about getting their 
rental history reporting to 
credit.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Market Update 
      Week of August 30th
00:30 Interest Rate Update – Fed Chair 
      Jackson Hole Comments and What 
      They Mean for Rates
02:00 Mid to High Sixes Through End 
      of Year – What to Expect
03:00 The National Average Rate – 
      Why It Is Not What You Think
05:00 New Credit Scoring – Vantage 4.0 
      and FICO 10T Are Here
06:00 Trending Credit – The Game 
      Changing Difference From Classic FICO
07:30 Medical Collections No Longer 
      Count on Vantage Score
08:30 Renters – How to Get Your Rental 
      Payment History on Your Credit Report
10:00 How to Do a Rapid Rescore – 
      And When It Can Help Your Buyers
11:30 FHA and Vantage Scoring – 
      10 Million New Buyers Could 
      Qualify in Six Months
13:00 Small Business Owners and Credit – 
      Why Vantage Changes Everything
14:00 How to Reach Nikki Erickson 
      at Kevnik Mortgage
#realestate #lender  #mortgagerates

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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Send us Fan Mail

There is a major change happening to 
real estate appraisals that every agent 
needs to know about right now.

Effective August 31st all conventional 
appraisals must use a brand new 
standardized form — and it is going 
to affect how you list properties 
how values are determined how repairs 
are called out and how long appraisals 
take to complete.

This week Nikki Erickson from Kevnik 
Mortgage breaks down everything you 
need to know before your next listing 
or purchase agreement.

This week we are covering:
✅ Interest rate update — mid to upper 
   sixes with some perspective on 
   how far rates have actually come
✅ The brand new appraisal form 
   required for all conventional 
   loans as of August 31st
✅ One standardized form for all 
   property types — condo single 
   family investment property — 
   what that means for you
✅ Goodbye gross living area — the 
   new breakdown of above grade 
   below grade and non-standard 
   finished square footage
✅ Why your MLS square footage 
   accuracy is more critical 
   than ever right now
✅ Condition ratings C1 to C6 — 
   now applied room by room not 
   just to the overall property
✅ How a remodeled kitchen can 
   now be rated separately and 
   actually help your listing's 
   value
✅ Sales comparison adjustments — 
   more standardized and more 
   transparent than ever before
✅ ADUs outbuildings and unique 
   property features — finally 
   counted properly in valuations
✅ Repairs and deficiencies — 
   appraisers must now specify 
   exactly what needs to be fixed 
   with unlimited photos and 
   detailed descriptions
✅ AI reading appraisals — what 
   Fannie Mae is doing right now 
   to review appraisal forms
✅ Why appraisals will temporarily 
   cost $60 to $100 more and 
   what to tell your clients
✅ The timeline — conventional 
   now FHA VA and rural housing 
   coming within six months

If you have active listings or 
purchase agreements right now 
give yourself an extra five to 
six days for appraisals until 
appraisers get comfortable with 
the new form.

This is the kind of information 
that separates the agents who 
know what is happening from 
the agents who find out when 
it affects their deal.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about

 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Market Update 
      Week of August 25th
01:00 Interest Rate Update – Mid to 
      Upper Sixes and Rate Perspective
02:30 MAJOR CHANGE – Brand New 
      Appraisal Form Required August 31st
04:00 One Standard Form for All 
      Property Types – What That Means
06:00 Goodbye Gross Living Area – 
      The New Square Footage Breakdown
08:00 Below Grade vs Basement – 
      Why Your MLS Accuracy Matters Now More Than Ever
10:00 Condition Ratings C1 to C6 – 
      Now Room by Room Not Just Overall
12:30 Sales Comparison Adjustments – 
      More Standardized and More Transparent
14:30 ADUs Outbuildings and Unique 
      Features – Finally Counted Properly
16:30 Repairs and Deficiencies – 
      No More Guessing What Needs to Be Fixed
19:00 AI Reading Appraisals – What 
      Fannie and Freddie Are Doing Right Now
21:00 Appraisals Will Cost More 
      Temporarily – What to Tell Your Clients
22:30 Timeline – Conventional Now 
      FHA VA and Rural Housing Coming
23:30 How to Reach Nikki Erickson 
      at Kevnik Mortgage
#realestate #lender  #mortgagerates

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

Send us Fan Mail

Welcome to my Monday Market Update for 
the week of August 18th with Nikki 
Erickson from Kevnik Mortgage!

This week we have a major rule change 
every real estate agent needs to know 
about right now — plus a simple and 
brilliant idea to stay top of mind 
with your sphere this week without 
pitching real estate at all.

This week we are covering:
✅ Back to school slowdown — what 
   to expect in applications and 
   activity over the next few weeks
✅ Interest rate update — mid to 
   high sixes and what the Fed 
   is signaling for the fall
✅ MAJOR CHANGE effective August 3rd — 
   Fannie and Freddie have eliminated 
   streamlined condo approvals entirely
✅ Every condo now requires full review 
   regardless of down payment — what 
   that means for your transactions
✅ The fast track approval — how to 
   use the existing database if your 
   condo project is already registered
✅ The four things the full review 
   will examine — investment property 
   percentage single owner percentage 
   reserve fund requirements and 
   insurance
✅ Townhomes do NOT need a condo 
   review — here is how to tell 
   the difference every time
✅ How to check legal descriptions 
   to identify condo vs townhome 
   in any state
✅ The back to school supply drive — 
   a simple community touchpoint 
   that keeps you top of mind 
   without mentioning real estate

If you have any condo transactions 
in your pipeline right now — under 
contract or not — reach out to 
Nikki immediately.

This change went into effect August 3rd 
for closings — not applications. That 
means deals already in progress could 
be affected.

This is the kind of information nobody 
teaches real estate agents. And knowing 
it will make you a better advocate for 
your clients and a more professional 
agent in every single transaction.

Need a Great Real Estate Coach and Mentor....
 Join my Skool Community! https://www.skool.com/rebusinessbuilder/about
 🔗 Book your FREE Discovery Call with Angie: https://calendly.com/angiegerber/real-estate-business-builder

📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: [email protected]
📘 Facebook | TikTok | Instagram: 
   @mortgagesfrommntoaz

00:00 Introduction – Market Update 
      Week of August 18th
00:30 Back to School Slowdown – What 
      to Expect in the Market Right Now
01:30 Interest Rate Update – Mid to 
      High Sixes and What Is Coming
02:30 MAJOR CHANGE – Fannie and Freddie 
      Eliminate Streamlined Condo Approvals
04:00 Full Review Required – What That 
      Means for Every Condo Transaction
05:30 Fast Track Approval – How to Use 
      the Existing Database
06:30 Condo vs Townhome – How to Tell 
      the Difference Every Time
07:30 Back to School Supply Drive – 
      A Simple Way to Stay Top of Mind
08:30 How to Reach Nikki Erickson

#realestate #lender  #mortgagerates

Support the show

Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/about

Check out my YouTube Channel - So many ways to stay connected and plugged in!  AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
[email protected]

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/