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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.

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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!

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

With Gratitude -

Angie Gerber
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Rates settle in the mid to high fives as bonds respond to global headlines, and we walk through what that means for refinancing, affordability, and buyer momentum. We share a simple January playbook for agents: smart outreach, clean CRMs, CMAs, and thoughtful client touches.

Stay tuned, check in on these Monday market updates. If you can’t get here live, it will be posted on my YouTube channel, on Facebook, and on LinkedIn - so that you have four different places you can go to find it.

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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
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Rates dip into the high fives as Treasury yields fall, while a softer job market and changing Fed outlook set the stage for potential cuts. 

Is Social Media part of your 2026 business plan? We share a simple three-part content plan and trending formats agents can use to turn attention into appointments.

Yes, and again, agents, Nikki has given us permission to go and follow her, watch what she's doing, and reuse it, duet, stitch it, rinse, repeat, rip off, whatever. The content is already there for you to use!

2026 Business Plan - if you haven't done it yet, or if you haven't finished it or finalized it, or you need to run something by me, look me up, I'm here and happy to help in any way!

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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Rates ease into the high fives, low 6's as the 10-year Treasury slides, nudging home sales higher after a slow year. We break down why a program like DSCR and using bank statements are surging in regard to financing, and share a focused plan to re-engage declined buyers and tighten daily execution.

We will be on next Monday as well, so watch for that because it will be the last Monday of the year.

If you're still on the fence about business planning or you're just not certain what you want your goals to look like, reach out to me. I would love to help in any way

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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Markets wobble as December’s cut looks likely while odds of a larger January cut fall, nudging mortgage rates up briefly before easing. We break down how Fed moves filter through the mortgage rates, then shift to why first contact and practiced scripts drive client wins.

Want to level up in 2026?!?

Join the free Take More Listings daily call at 8 a.m. CST. 

Want free Minneapolis-area leads with no splits and no referral fees! Reach out for more details! 

I offer an ebook on business planning and how to set up and run a successful Real Estate Business, and there is a business planning workshop next Monday, December 15th. 

Contact: [email protected] for more info on any of the above offerings!

You can find Nikki on Instagram or TikTok at mortgagesfromMNtoAZ, on Facebook at Kevnik Mortgage or by name, Nikki Erickson

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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Rates snap back after a brief dip as Fed chair chatter shakes bonds, then we map a realistic path toward a 5.9% average in 2026 and what that means for refi math. We close with a clean business planning framework, smarter social posting, and seasonal timing for potential rate relief.

Comment wherever you listen with topics you want us to cover on the Monday Market Update, and if there is a subscribe or a like or a follow button, do that for us! We are here to support you in anyway we can!

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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Rate pressure eases from shutdown lows while policy ideas aim at affordability. We weigh 50-year mortgages, transferable notes, builder incentives, and consumer credit reforms with clear pros and cons and practical context for buyers and sellers.

You can find me at mortgagesfrommntoaz on either Instagram or TikTok. Also on social media, Kevnik Mortgage, or you can find me personally on Facebook as well!

Regardless of what platform you're watching on, we would appreciate and love it if you would subscribe, follow, like, and comment. If there's anything you want us to cover in the weeks to come, we're happy to do that!

Angie Gerber - [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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Check out this week's update!!

We track a potential government reopening, easing bond yields, and a small but notable jump in home values, then map how a quarter-point rate move can unlock millions of refinance opportunities. We also unpack VA entitlement, explain how to hold multiple VA loans, and stress why strong lender partnerships protect clients.

Find Nikki at @mortgagesfromMntoAZ on Instagram, TikTok, and Facebook

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 unpack why rates rose right after the Fed cut, where they may settle, and how affordability will shift as more housing funds move from DC to the states. We compare Minnesota, Arizona, and Florida to show when renting loses to buying and what 2026 policy could change.

Reach out to Nikki because she can run those numbers and really give you a ground level understanding of which is it buying, is it renting, is it a combination, and why?

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 soften as we anticipate a 25 bps Fed cut, and mortgage quotes start dipping into the fives while volatility cools. Fannie Mae’s new 5% down option for 2–4 unit primary homes opens the door to house hacking and refi's.      Plus smarter Q4 planning starts with an obsession-level mindset.

Listen Now for the HUGE CHANGE!!

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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