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When we say yes to something, we're inevitably saying no to something else, which is why effective calendar management is critical for real estate professionals. Your calendar directly reflects your priorities and correlates with your bank account—successful agents plan like business owners by blocking time for consistent prospecting, appointments, and follow-up.

A peak into this episode -
• Start by scheduling faith, family, and non-negotiables first, then build business activities around them
• Improve by just 1% daily and focus on beating your personal best
• There's no such time management—only activity management
• Schedule income-producing activities during your peak energy hours
• Approximately 70% of your business comes from effective follow-up

If you're finding value, please subscribe, follow, or share to help impact as many agents as possible. Next week we'll cover Chapter 3 on lead generation—an area where most agents struggle.

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Nothing Changes if Nothing Changes - Awaken your Awareness today!!

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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

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AGCoaching@agcoaching684

With Gratitude -

Angie Gerber
https://stan.store/AngieGerber
angiegerber@gmail.com

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The real estate market shows signs of transitioning from a seller to a buyer's market with Florida leading the way at 13% of homes currently for sale while other states remain around 6-7%. How long will it take for this to move across the country...

Interest rates continue to be volatile but are settling in the mid-to-high 6% range with potential downward pressure from economic factors.

• Florida real estate market turning with 132,000 homes for sale out of 10 million residences (13%)
• Minnesota and Arizona markets have fewer homes for sale at about 6.6-6.8% of total residences
• Economic reports show 72% of people using "buy now, pay later" loans, indicating reduced discretionary income
• Psychology of interest rates shows 5.5% is the magic number where homeowners will consider moving
• Clients who used 2-1 buydowns two years ago now face rate increases to 7.625-7.875% or more, creating refinance opportunities
• CRM systems are critical for tracking clients and opportunities - "it's not your database, it's your data bank"
• True entrepreneurs push through challenges and show up consistently regardless of circumstances

Reach out to your past clients, especially those who used 2-1 buydowns. Even if it's been years since your last contact, reconnect with a personal touch - they'll appreciate hearing from you!

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

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On this episode I share why she published my eBook "From Hustle to Harmony: Balancing Business Growth, Personal Life and Creating a Winning Mindset"

I read the Introduction and Chapter 1

Included:
• The difference between amateurs who let excuses stop them and entrepreneurs who show up consistently
• Growth requires getting comfortable being uncomfortable and pushing beyond your comfort zone
• Success comes from making decisions from your goal rather than toward your goal
• Becoming 1% better everyday compounds into significant results over time

I offer coaching and mentorship to my business partners at no additional charge through team collaboration model with no team split. If you're interested in learning more or joining, reach out directly to explore the opportunity.

angiegerber@gmail.com

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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The real estate market remains the same as last week with mortgage rates fluctuating between high 6% and low 7%, Successful agents need to become the trusted source of information by consistently showing up across platforms with factual, educational content that cuts through misinformation.

• Now is a great time to reach out to past clients about reviewing insurance policies as a valuable touchpoint
• The Miami condo collapse has triggered stricter insurance requirements affecting transactions nationwide
• Consider sharing personal or client insurance comparison stories on social media as valuable content
• Be the voice of reason, hope, and honesty during this period of market uncertainty

Send this to an agent who needs to hear it, either on my podcast, YouTube channel, or family tree and workplace.

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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Nikki covers interest rate volatility, USDA financing changes for manufactured homes, and strategies for maintaining client relationships.

• Interest rates are correcting after last week's tariff-related volatility, settling back into the low sevens and high sixes

• Previous clients are re-engaging in the market due to lease expirations, credit improvements, and life changes

• USDA/Rural Development now allows manufactured homes with 0% down financing, expanding options for rural homebuyers

• Self-employed borrowers changing business structures need to demonstrate "continuity of income" for mortgage qualification

• Real estate professionals should focus on organizing and nurturing their "databank" of contacts through consistent communication

• Staying top-of-mind with clients is crucial as everyone experiences various life changes that can trigger real estate needs

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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Market volatility has created dramatic swings in mortgage interest rates, with rates falling sharply after tariff implementation caused stock market declines, then rebounding rapidly the following day.

• Mortgage rates directly tied to 10-year Treasury bond yields, which drop when investors move from stocks to bonds

• Recent volatility saw rates swing from 5.875% to around 8% within 24 hours
• Locking rates provides protection while "relocks" allow borrowers to benefit if rates improve later

• **Minnesota Housing has reduced down payment assistance amounts and increased minimum credit score requirements** KNOW THESE NUMBERS!

• Experienced real estate professionals provide crucial perspective beyond rate fluctuations

For guidance through this volatile market or to discuss your specific situation, reach out to us directly - we're here to partner with you and help you achieve your real estate goals.

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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This is a BIG one!! Be sure to tune in and listen!!

Mortgage interest rates remain in the mid to high 6's with significant changes coming to FHA mortgage eligibility that will impact non-permanent residents.

Starting May 25th, only US citizens and permanent residents will qualify for FHA loans, while temporary residents with work visas must explore alternative financing options.

• Mortgage rates holding in mid-to-high 6% range with potential to move lower later this year
• Major FHA policy change eliminating eligibility for non-permanent residents effective May 25th
• Alternative options include Fannie Mae and Freddie Mac loans requiring higher credit scores (680+)
• US citizens living abroad face challenges with automated underwriting systems
• Tariffs may potentially help lower mortgage rates by increasing treasury demand
• Q1 ending provides opportunity to reassess business goals and make necessary adjustments

Find me on Facebook - Angie Gerber and Nikki Erickson or Kevnick Group, and on Instagram and TikTok @mortgagesfromMNtoAZ where I share regular updates and answer your mortgage questions.

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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Mortgage interest rates are currently in the mid to high sixes, with positive movement expected as housing data reports are released this week and reciprocal tariffs appear less impactful than initially feared.

• Consumers without credit scores can qualify for mortgages through both FHA and conventional loans using non-traditional credit
• Having no credit score often results in better interest rates than having a low credit score
• Parents can help children establish credit by adding them as authorized users on credit cards at age 16. Establishing three trade lines with 12 months of payment history provides optimal mortgage qualification
• Success in real estate comes from stepping outside your comfort zone and doing the things you've been avoiding

Make it a goal to do something uncomfortable at least once a week that pushes your boundaries, because growth happens when you're uncomfortable.

Support the show

Nothing Changes if Nothing Changes - Awaken your Awareness today!!

Grab my eBook in my Stan.Store/AngieGerber

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
https://stan.store/AngieGerber
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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