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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 Nikki@Kevnikgroup.com.

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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
angiegerber@gmail.com

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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 Nikki@KevnikGroup.com.

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
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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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
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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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: Nikki@KevnikGroup.com. 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
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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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: Nikki@KevnikGroup.com. 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
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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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
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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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
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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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
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/