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We share a fast May 25 real estate market update, from mortgage rate movement back into the sixes to what the latest home price and sales reports suggest about demand. We also break down a major lending change: VantageScore is arriving sooner than expected, plus a simple birthday outreach habit that keeps us top of mind and wins repeat business. 

• Lenders testing VantageScore alongside FICO using a dual score model 
• Opening access beyond 20% down as some programs move toward normal guidelines like 3% down 
• Why automated underwriting matters and what changed with DU and LP support 
• Who to recontact right now: denied borrowers, thin credit profiles, first-time home buyers 
• Simple agent follow up tactics using birthdays, personal mail, and manual holiday texts

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. 

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]

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Another Jam Packed Market Update!!

Mortgage rates climbed last week after oil moved up and inflation data hit the bond market, and we talk through why that matters for anyone trying to buy or lock. We also dig into a bipartisan housing bill that focuses on adding supply, from office-to-condo conversions to updates for FHA and USDA rural housing loans. 

• Rate increase driven by oil prices and inflation numbers hitting the 10-year Treasury 
• Expectation for rates to settle if inflation pressure eases 
• 21st Century ROAD to Housing Act moving to the House floor 
• Converting vacant office buildings into dense housing like condos 
• Modernizing FHA and USDA rural housing loans with updated limits and guidelines 
• Rural eligibility based on outdated population metrics and what could change 
• Restricting large companies from owning too many single family 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. 

Find me in my free Community for Women Real Estate agent:
www.skool.com/rebusinessbuilder/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
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We share a quick market update on mortgage interest rates and explain why a temporary spike can happen after inflation data. Then we dig into major underwriting changes that let rent and, in some cases, utility payments strengthen automated approvals for buyers with thin credit histories. 

In this episode - 
• what “automated approval” means and why thin credit files get stuck 
• how FHA can consider utility payments and why that matters for first-time home buyers 
• whether adding rent or utilities can change a borrower’s interest rate 
• retroactive reporting and the realistic 30 to 45 day timeline 
• why agents should connect buyers early to use time as an advantage 

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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Listen now for more info on how Conversations = Currency, and we win business by showing up in small, consistent ways that feel human and clear. We challenge the fear of sounding salesy and explain why staying top of mind protects our clients from ending up with the wrong agent. 

• redefining what counts as a “conversation” across texts, DMs, apps, and email 
• asking for referrals without sounding pushy by shifting our relationship with sales 
• why selling is part of helping and why confidence comes from competence 
• why coaching and mentorship save time by revealing blind spots 
• choosing a lead gen style that fits us from cold calling to networking 

Feel free to reach out to me if you need help!

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 talk about why your real estate pipeline is a 60 to 90 day echo of what you did earlier, and why daily prospecting is the only reliable fix when business feels slow. We share a hard-earned story about a massive closing month followed by a painful drop, plus the systems and mindset that keep your calendar from running you. 

• the 60 to 90 day delay between activity and results 
• doubling down on prospecting and what it produces 
• what happens when you stop prospecting to “stay busy” 
• conversations = currency as a simple metric 
• getting a coach or mentor to remove blinders faster 
• stopping the “secret agent” habit and showing up openly 
• turning “how’s the market?” into curiosity and newsletter sign-ups 

Reach out to me if you are looking to take your business to the next level! I have helped 100's of agents scale their business and mindset!

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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Mortgage rates stay in the mid to low 6s as early volatility fades, while a potential Fed leadership change adds fresh uncertainty to the rate outlook. 

We break down Fannie Mae and Freddie Mac’s move toward VantageScore for mortgage approvals and explain who it could help first.

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. 

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 share a quick Monday market update with calmer conditions and conventional mortgage rates down into the low sixes. 

We also flag a surge in investment property purchase agreements and break down loan options that can help investors move faster. 

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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Mortgage rates settle back into the low 6's as the bond market stays calm, even with global uncertainty, and we unpack what that stability signals. 

March housing numbers show sales slowing while prices rise, and we explain why buyers are regaining leverage and how agents can use that shift in real conversations.

• mortgage rates flattening and drifting into mid to lower sixes
• why oil price spikes can correlate with recession and lower rates
• March 2026 existing home sales down 3.6% and what that looks like in buyer behavior
• median home price up to about $408,800 despite slower sales
• six-year appreciation and the equity-building argument for homeownership
• inventory improving to about 4.1 months and why it still feels tight

Reach out to Nikki if you need anything at all! You can find me Nikki on Facebook, Instagram, or TikTok @mortgagesfromMNtoAZ. You can call her or text at 952-484-1584, or you can email [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
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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We break down why improving market signals can create a narrow window to lock a better mortgage rate, especially when new conflict risks can spike volatility overnight. 

We also explain how credit score tiers affect pricing, highlight new lending products for builders and VA homeowners, and clear up what can and cannot be financed across mobile, manufactured, modular, and stick-built homes. 

• where rates sit right now and why we consider locking quickly when markets improve 
• how a one-time close construction loan avoids paying closing costs twice 
• which loan types can work for one-time close including FHA, VA, conventional, and jumbo 
• what makes 100% cash-out VA loans unusual and when they help 

Reach out to Nikki if you have any questions. 
You can find her on Facebook, TikTok, or Instagram @mortgagesfromMntoAZ and also call or text 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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Mortgage rates finally catch a break and slide back into the mid to low 6s, giving buyers and refinance clients more room to breathe. We also unpack an FHA change for 2026 that could let roommate rent help more people qualify for a home. 

• mortgage rate movement and what’s driving it 
• what “boarder income” means for FHA loans 
• how FHA rules differ from Fannie Mae HomeReady and Freddie Mac 
• the nine-month boarder income requirement and 12-month rental history rule 

Planning ahead with a loan officer to track payments early 
Reach out to Nikki if you have questions. 

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/