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Welcome to your Market Update for the 
week of July 12th with Angie Gerber and Nikki 
Erickson from Kevnik Mortgage!

This week we have some really interesting data 
to break down — and a mid-year reality check 
that every agent needs to hear right now.

This week we are covering:
✅ CPI numbers just came in — inflation is 
   lower than predicted and here is what 
   that means for mortgage rates
✅ Interest rate update — mid sixes with 
   room to move lower with buy downs
✅ Home sales data — listings are being 
   priced 2 to 2.5% lower than last year 
   but actual sale prices are up 1.2%
✅ What that seemingly conflicting data 
   actually means for your buyers and 
   sellers right now
✅ Minnesota vs Arizona vs Florida — 
   a fascinating comparison of three 
   very different markets
✅ Why Minnesota is actually outpacing 
   Arizona in days on market right now — 
   something almost never seen
✅ A mid-year goal check in — where are 
   you vs where you intended to be in 
   January?
✅ Why Q4 is not slow and how doubling 
   down now will change everything

We are halfway through the year. Now is 
the time to look at your goals revisit 
your pipeline and decide whether you are 
going to coast or sprint to the finish.

If you need help with your goals or your 
strategy for the second half of the year 
reach out to Angie directly — she is here 
and happy to help.

Need a Great Real Estate Coach and Mentor....
 🔗 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
🔗 Request Nikki's Renovation Loan PDF: 
   [email protected]

00:00 Introduction – Market Update Week of July 14th
00:30 CPI Numbers Are In – Inflation Lower Than Expected
01:30 Interest Rates Update – Mid Sixes With Room to Go Lower
02:30 Home Sales Data – Listings Down 2.5% But Sale Prices Up 1.2%
04:00 Minnesota vs Arizona vs Florida – A Tale of Three Markets
05:30 Minnesota Is Outpacing Arizona Right Now – Here Is Why
06:30 Mid-Year Goal Check In – Where Are You vs January?
07:00 How to Reach Nikki Erickson at 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/
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Would you drop everything and meet a complete stranger 
at a vacant house to show them a property?

Some agents do it every day without a second thought. 
And some have processes and procedures they follow 
to a T. In this video I'm sharing everything I know 
about staying safe as a real estate agent — from 
converting cold leads to running open houses — so 
you can grow your business without putting yourself 
at risk.

Because no commission check is worth your safety 
or your life.

In this episode you'll learn:
✅ Why you should always get unknown clients 
   into the office first
✅ How to get creative with meeting space if 
   you're at a cloud based brokerage
✅ Why you should never meet an unknown client alone
✅ How to use Forwarn and ID verification to vet 
   clients before you meet
✅ Safety tools to keep on your person at all times
✅ Open house safety — how to park, position 
   yourself and control the space
✅ Why you should never let anyone get between 
   you and the exit
✅ How knowing the area before you show up makes 
   you safer and more valuable
✅ Why walking with confidence and keeping your 
   head up matters more than you think
✅ How to follow your intuition and get out of 
   any situation that feels wrong

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

▶️ Subscribe for weekly real estate coaching tips! youtube.com/@angiegerber-5
 

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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Welcome to your Monday Market Update for the 
first full week of July — with Angie Gerber 
and Nikki Erickson from Kevnik Mortgage!

This week we are covering some really exciting 
mortgage options that most agents are not talking 
about — plus a friendly but firm reminder from 
Coach Angie about your prospecting this summer.

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

This week we are covering:
✅ Interest rate update — low to mid sixes 
   and when we could see the high fives
✅ Oil prices, the Fed and what it all means 
   for your buyers right now
✅ Renovation loans — why they are easier 
   than ever and who qualifies
✅ Non-QM loans for self employed borrowers 
   — the fastest growing mortgage sector 
   right now
✅ Cash vs Conventional vs FHA vs VA — 
   what every agent needs to know
✅ Why sellers should stop discounting 
   FHA and VA offers
✅ How a renovation loan can flip an FHA 
   deal and save the transaction
✅ A friendly reminder from Coach Angie — 
   what you do today shows up in your 
   business in September and October

Whether you are a buyer seller or real estate 
agent this weekly update gives you the 
information you need to show up as the expert 
your clients need.

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

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

00:00 Introduction – Welcome to the First Full Week of July
00:30 Interest Rates Update – Low to Mid Sixes & What's Coming
01:30 When Will We See High Fives? – Oil Prices & the Fed
02:30 Renovation Loans – A Game Changer for Budget Conscious Buyers
04:00 Non-QM Loans – Options for Self Employed Borrowers
05:30 Cash vs Conventional vs FHA vs VA – What Every Agent Needs to Know
07:00 Don't Discount FHA & VA Offers – Here Is Why
08:00 Stay in Your Prospecting – A Friendly Reminder from Coach Angie
09:00 How to Reach Nikki Erickson at 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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Welcome to the Monday Market Update 

This week we are covering:

 ✅ Interest rate update — solidly in the mid to low sixes and what that means for your buyers 

✅ The Wall Street Journal article on overpaying for your mortgage — and why it's misleading

 ✅ Why it's rarely about the interest rate and almost always about the strategy

 ✅ What first time buyers don't know that could cost them thousands 

✅ Bank vs independent mortgage consultant — the huge difference in service and speed 

✅ Why Bank of America is taking 7-9 weeks to close right now 

✅ 4th of July week market update — is it actually slowing down? 

✅ How to get your buyers closed in 30 days or less 

Whether you're a buyer, seller or real estate agent this weekly update gives you the information you need to make smart decisions in today's market. 

 🔗 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

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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🏠 Real Estate Market Update | Week of June 21st

This week, Angie Gerber and mortgage expert Nikki from Kevnik Mortgage break down what's moving the market — and what every buyer, seller, and agent needs to know RIGHT NOW.

📉 What's in this episode:

• Oil prices drop to $73.50/barrel — what that means for interest rates
• Current rates sitting in the mid-6s (and how to get lower)
• CPI inflation numbers dropping Thursday — should you lock in NOW?
• Condo vs. Townhome financing: the difference that could make or break your deal
• How to tell if a property is a condo or townhome in Minnesota (hint: look for "lot and block")
• Why condos need 30–45 days to close vs. 2 weeks for townhomes
• HOA insurance changes from April and what they mean for your transaction
• Red flags to watch in association docs — before you list OR buy

📞 Connect with Nikki at Kevnik Mortgage:
📧 [email protected]
📱 952-484-1584
📲 @MortgagesfromMNtoAZ on Facebook, Instagram & TikTok

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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Mortgage rates finally show some relief as world events push oil down and bond markets respond, giving us a real reason to feel optimistic again. 

We dig into record-setting US homeowner equity and the practical choices it creates for buying, refinancing, renovating, and even investing. 

• Iran US deal implications for oil prices and mortgage interest rates 
• Record $49T in owner-occupied home value and $35T in equity 
• Insurance cost shocks and why ownership can offer more control 
• Who to call back after 2 to 7 years of ownership 
• Equity options like HELOCs, second mortgages, and renovation seconds 
• Using home equity as a starting point for real estate investing 

You can find Nikki on TikTok or Instagram @mortgagesfromMntoAZ. And on Facebook under Nikki Erickson, text or call 952-484-1584 or email me at [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/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

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On this week's Market Update - 

We share a fast June 7 market update on mortgage rates, volatility, and what the 10-year Treasury signals for client conversations. 

We also dig into fresh home appreciation numbers by market and a simple “Be, Do, Have” mindset that helps agents take uncomfortable action and grow. 

You can find me on Instagram, Facebook, and TikTok @mortgagesfromMNtoAZ. 
You can text me, call me at 952 484 1584, or you can email me at [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/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

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Mortgage rates hold in the mid-six range, with paths to the low sixes through buy downs, and we explain how oil prices and the 10-year Treasury shape what you see day to day. We also dig into competing inflation measures the Fed may weigh differently, then pivot to a time-sensitive CE deadline reminder for real estate agents. 

Agents don't forget CE is due NOW in order to make sure you keep your license!

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

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]

⬜ 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

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
🟧  FOLLOW AND LIKE MY FACEBOOK ACCT : https://www.facebook.com/angie.gerber.5/
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