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We break down why oil’s surge rattled bonds and nudged mortgage rates into the upper sixes, then dig into the July 1st reset of student loan repayment and how it could reshape debt-to-income ratios for buyers. Clear steps help listeners lock in accurate payments, protect pre-approvals, and move with confidence.

• oil spike driving inflation fears and rate volatility
• Student Loan - post–July 1st REQUIREMENT CHANGES 
• forgiveness after 30 years with prior credit for payments
• Parent PLUS loans unchanged...
• steps to update income, verify contact info, and set plans in place

Questions - reach out to Nikki @mortgagesfromMntoAZ on Instagram or TikTok, Facebook at Nikki Erickson, call or text 952-484-1584, or email [email protected]

Find Angie Gerber on Skool at rebusinessbuilder/about or [email protected]

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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We break down how conflict-driven oil spikes push Treasury yields and nudge mortgage rates, then map the usual one-week cooldown. We pivot to tax timing, IRS balances, and how Fannie vs Freddie rules shape approvals for self-employed and W-2 buyers.

• how oil shocks and uncertainty move the 10-year and mortgage rates
• why rate jumps often fade the following week
• lock strategy and watching reprices in volatile markets
• filing vs extension timelines for self-employed income
• proof of filing, transcripts, and IRS balance options
• asset verification vs approved IRS payment plans
• some key differences between Fannie Mae and Freddie Mac
• lender overlays and why early communication matters
• aligning contract dates with April 15 realities
• refreshing older pre-approvals before shopping

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

You can find Nikki on Instagram and TikTok at mortgagesfromMNtoAZ, on Facebook or LinkedIn under Nikki Erickson or Kevnik Mortgage, and Phone: 952-484-1584

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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Rates trend down as we unpack the 10-year Treasury, MBS demand, and why a break could move mortgages by up to half a point. 

We tie market signals to buyer behavior, from Google’s top searches to simple, proven tactics that turn interest into action.

• How Treasuries and MBS shape mortgage pricing
• Jobs data revisions and implications for Fed cuts
• Current ranges for 30-year and 15-year fixed rates
• Why full payment estimates beat PI-only quotes
• Google trends: “mortgage calculator” and buyer intent
• Real estate SEO: “homes for sale in [city]” strategy
• Using lender apps and alerts for timely outreach
• Low-budget ad ideas that capture active demand
• Preparing clients for a potential June pivot

You can find Nikki on socials at mortgagesfromMntoAZ; on LinkedIn and Facebook at Nikki Erickson; call 952-484-1584; or email [email protected]

Find Angie Gerber on Skool.com/rebusinessbuilders/about

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/

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This Week Is HUGE!!! BIG THINGS Coming our way!!

We unpack a major housing bill focused on faster builds, flexible financing for manufactured and multi-family, and smarter use of grants and rural lending.

• Why a weaker jobs report could lower mortgage rates
• How China’s Treasury stance and bank buying may reshape yields
• What builder grants and streamlined rules could do to speed supply
• Why expanding financing for manufactured, co-ops, and tall condos matters
• How excluding disability income can improve down payment aid access
• Ways to unlock underused local housing grants
• Bigger FHA limits for 2–4 units to boost ownership and cash flow
• USDA map updates and rural renovation options to revive aging homes

Call or text Nikki at 952-484-1584 to talk more about all the opportunity headed our way! Or email: [email protected]. Find her on socials at MortgagesFromMNToAZ. 

Watch this again, take notes, and get a plan so when this hits, you’re ready.

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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We unpack why a “stable” labor market may be overstated, why the Fed held rates, and how that steadiness is fueling a spring wave of property flips. We lay out practical rules for conventional, FHA, and non-QM deals, plus why lender choice and timing matter.

• Fed holds rates while labor signals weaken beneath the surface
• Jobless claims skewed by gig work and fewer filings
• Mortgage rates hovering high fives to low sixes
• Conventional flip resales and second appraisal triggers
• FHA 90-day rule, day 91–180 second appraisals, HUD REO exception
• Non-QM flexibility, DSCR changes, 90-day refi paths
• Why a second lender opinion can beat a single bank offer
• Spring market starts post–Super Bowl and prep steps for sellers and buyers

If you have any questions, always reach out Nikki Erickson or Me!!
Find Nikki @mortgages fromMNtoAZ, both on TikTok and Instagram. Otherwise on Facebook under Nikki Erickson or Kevnik Mortgage.

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/

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Jesse Mills shares a simple system that rescues failed deals, converts “unbankable” buyers into future homeowners, and pays full commission while delivering strong investor returns. 

Creative financing becomes a blue ocean strategy for agents who want free leads, higher income, and real impact. Find the hidden opportunities in your database today!!

• Order taker vs problem solver mindset and why it matters
• How lease options and contract for deed actually work
• The tenant-buyer to investor model and MLS home selection
• What makes a strong candidate: 10–20% down, real income, a clear path
• Case studies saving listings and buyer deals at the finish line
• Investor returns, cash flow, and exit equity
• Income stacking for agents: commissions, referrals, lending fees
• Scripts, social templates, and a lead tracker to act now
• How to collaborate with lenders and attract “free leads”
• Seller options, listing hooks, and creative exits

Reach out for more details!!

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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Rates settle in the fives to low sixes as policy support from Fannie and Freddie keeps pressure on mortgage costs. 

We weigh in on investor limits, VantageScore’s impact on approvals, longer mortgage terms, and the rise of non-QM options that expand access.

• Fannie and Freddie expand capacity to buy mortgage-backed securities
• Policy backstop as a lever to keep rates lower
• Vantage Score adoption with alternative data for credit access
• 40 & 50-year mortgage scenarios and trade-offs
• Non-QM growth including DSCR, bank statements, 1099, and asset depletion
• Spring market outlook and rising applications
• Practical steps for first-time and self-employed buyers

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 a text

We break down how to turn high-intent Google searches into real estate clients using Local Services Ads for pay-per-call leads and Business Profiles for trust and visibility. We share setup steps, ROI math, verification tips, review strategies, and the call-handling system that keeps you ranked.

• Difference between Local Services Ads and Business Profiles
• Why pay-per-call beats pay-per-click for intent
• Statewide reach with LSA vs hyper-local maps
• Exact setup order and branding that travels with you
• NAP consistency and mirrored profiles
• Reviews cadence and reply strategy
• Disputes, spam calls, and AI monitoring
• Answer rate benchmarks and 24-7 routing
• Video verification tips for GBP approval
• How AI search still relies on strong profiles

Reach out today for more Information!!

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/

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We break down why mortgage rates ticked up after Japan’s yield moves and explain why we’re floating clients while volatility settles. Then we share the outreach and social strategies reviving old leads, plus a mindset shift to STUPID goals that drives bold action.

If you haven’t joined the free Survive to Thrive daily call and need the link, reach out to me and I’ll get it to you!

Find Nikki Erickson on LinkedIn; Kevnik Mortgage on LinkedIn and Facebook; Instagram and TikTok @mortgagesfromMntoAZ

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/

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Rates drift into the mid to upper fives as MBS demand rises and Fed leadership shifts set the stage for further easing. Inventory grows unevenly, while new rules in New York and Massachusetts change timelines and tactics, creating a narrow window for smart buyers, sellers, and refi's.

Subscribe, like, share, comment, and hit the bell so you can be notified every Monday when we put out a new episode!

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/