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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!!

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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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

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Bond yields slip under 4 percent as we track real-time rate pressure even through an AWS outage. We share three proven ways retirees can qualify for a new home, and why agents should vet lenders using NMLS to protect deals on both sides of the table.

Listen Now for More Great Info on the Following -
• asset dissipation underwriting for retirees
• starting retirement distributions to qualify
• child-buys-for-parent primary residence option
• protecting family equity from care costs
• why experience and licensing history matter
• how to vet lenders with NMLS Consumer Access
• second-opinion strategy to secure better terms

Look below in the comments for link mentioned in this episode and leave us a comment. If there's anything that you want us to cover or talk about, let us know!

Link mentioned by Nikki - https://www.nmlsconsumeraccess.org/?trk=organization_guest_main-feed-card_reshare-text

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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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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We break down why rates dipped despite Government shutdown and show how your personal profile, not the headline number, decides your mortgage pricing. Credit tiers, down payment strategy, occupancy, term, and loan size all interact—and you can use them to your advantage.

Another MUST LISTEN to episode!!

You can find Nikki on TikTok, Instagram, and Facebook at mortgagesfrommntoaz and Email Angie at Angiegerber@gmail.com or comment where you’re listening and we’ll reply.

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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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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Markets brace for a volatile week as a possible government shutdown threatens the BLS Jobs Report and nudges the 10-year Treasury, with mortgage rates holding in the low-to-mid sixes after losing recent gains.

We also map a path for no-score buyers using rent, utilities, and payment shock, then close with a reminder to show up fully present for clients.

• shutdown risk and jobs report uncertainty
• how bond moves shape the 10-year and rates
• current pricing in the low-to-mid sixes
• lock vs float strategy for October closings
• qualifying without a credit score using rent and bills
and much much more!

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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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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The Federal Reserve's recent interest rate cut has ironically led to volatile mortgage rates as the bond market adjusts. Property tax reassessments in Minnesota, Arizona, Florida and many more states are causing homeowners' tax bills to double or triple as counties update values for the first time in a decade.

• Mortgage rates experiencing volatility following Fed rate cut due to bond market adjustments
• More Fed rate cuts expected through year-end as "catch-up" for delayed action
• Property tax reassessments in Minnesota causing dramatic increases from $4K to $7K or $7K to $15K
• Strategies to manage higher property taxes include shopping for new insurance and talking to servicers about escrow options
• Tax statements with new assessed values typically arrive in October

If you're experiencing increases in property taxes or insurance, reach out to us. We can help implement strategies to keep your mortgage payment affordable, whether through refinancing or other options.

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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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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The Federal Reserve's meeting this week is expected to cut interest rates - Check in next week for the latest announcement!

The recently passed Homebuyer Protection Act eliminates predatory trigger leads that previously bombarded consumers with hundreds of calls after a mortgage credit check. Listen now for the details!

Also, more critical info to know as an agent and a consumer!

• Options for credit protection include Pre-screen Opt-Out, credit freezes, and careful timing of hard vs soft pulls
• Mortgage shopping allows multiple credit pulls within 45 days with only one impact to your score
• Avoid opening new credit, using Buy Now Pay Later services, or changing jobs during the mortgage process
• Employment verification now happens the day before or day of closing
• LQI (Limited Query Info) checks for new credit inquiries up to three days before closing

Find Nikki on TikTok and Instagram @mortgagesfromMNtoAZ or on Facebook under Nikki Erickson or The 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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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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Aligning with the right broker or business partner is crucial for real estate success, yet many agents struggle with this decision. I wrote chapter nine of my eBook specifically to address this common challenge after repeatedly answering questions about brokerage alignment.

Listen now for all the things you might not be thinking about!

Some Highlights from this Episode:
• Always interview multiple brokerages to get a comprehensive view of available options
• Ensure alignment with your core values like integrity, family time, and faith
• Clarify exactly when and how support will be available to you
• Understand what systems, CRM, and technology platforms are included
• Consider gray area answers to specific questions as red flags
• Remember that vendors like inspectors and lenders directly reflect on your business
• Trust your intuition when making final decisions

If you need help with brokerage decisions or have questions, reach out to me anytime. I'm here and happy to help you navigate this important choice.

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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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 have hit their lowest point in 18 months, creating opportunities for both buyers and sellers as we approach the sweet spot before home prices increase.

Listen Now for All the Latest in this Monday Market Update!

Some Key Takeaways:

• Jobs report came in lower than expected, causing the 10-year treasury bond to decrease
• Some borrowers now securing rates around 5.875%
• Expected Fed rate drop next week should help solidify current bond market position
• For every percentage point rates decrease, approximately 5 million new buyers enter the market
• Many Sellers become motivated at 5.5% regardless of their current mortgage rate

Visit kevnikmortgage.com for weekly Monday morning blogs with shareable content for social media, including today's blog about the right time to purchase.

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!

Schedule a free discovery call with me.
I would love to learn more about your goals, dreams, and desires!!

https://calendly.com/angiegerber/zoom-call-15-minutes

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

With Gratitude -

Angie Gerber
angiegerber@gmail.com

⬜ 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/