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Welcome to my Monday Market Update for
the week of August 18th with Nikki
Erickson from Kevnik Mortgage!

This week we have a major rule change
every real estate agent needs to know
about right now — plus a simple and
brilliant idea to stay top of mind
with your sphere this week without
pitching real estate at all.

This week we are covering:
✅ Back to school slowdown — what
to expect in applications and
activity over the next few weeks
✅ Interest rate update — mid to
high sixes and what the Fed
is signaling for the fall
✅ MAJOR CHANGE effective August 3rd —
Fannie and Freddie have eliminated
streamlined condo approvals entirely
✅ Every condo now requires full review
regardless of down payment — what
that means for your transactions
✅ The fast track approval — how to
use the existing database if your
condo project is already registered
✅ The four things the full review
will examine — investment property
percentage single owner percentage
reserve fund requirements and
insurance
✅ Townhomes do NOT need a condo
review — here is how to tell
the difference every time
✅ How to check legal descriptions
to identify condo vs townhome
in any state
✅ The back to school supply drive —
a simple community touchpoint
that keeps you top of mind
without mentioning real estate

If you have any condo transactions
in your pipeline right now — under
contract or not — reach out to
Nikki immediately.

This change went into effect August 3rd
for closings — not applications. That
means deals already in progress could
be affected.

This is the kind of information nobody
teaches real estate agents. And knowing
it will make you a better advocate for
your clients and a more professional
agent in every single transaction.

Need a Great Real Estate Coach and Mentor....
Join my Skool Community! https://www.skool.com/rebusinessbuilder/about
🔗 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: nikki@kevnikgroup.com
📘 Facebook | TikTok | Instagram:
@mortgagesfrommntoaz

00:00 Introduction – Market Update
Week of August 18th
00:30 Back to School Slowdown – What
to Expect in the Market Right Now
01:30 Interest Rate Update – Mid to
High Sixes and What Is Coming
02:30 MAJOR CHANGE – Fannie and Freddie
Eliminate Streamlined Condo Approvals
04:00 Full Review Required – What That
Means for Every Condo Transaction
05:30 Fast Track Approval – How to Use
the Existing Database
06:30 Condo vs Townhome – How to Tell
the Difference Every Time
07:30 Back to School Supply Drive –
A Simple Way to Stay Top of Mind
08:30 How to Reach Nikki Erickson

#realestate #lender #mortgagerates

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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Welcome to my Monday Market Update for
the week of August 9th with Nikki Erickson
from Kevnik Mortgage!

This week we have two really important
topics that come up more than most
agents realize — family home purchases
and renovation funding options your
clients probably do not know exist.

This week we are covering:
✅ Interest rate update — volatility
is settling and we are sitting
in the mid to high sixes
✅ Family home purchases — what agents
need to know and what clients need
to have in place before closing
✅ Why you should always treat a family
real estate transaction like a
business not a family deal
✅ The questions every family needs
to answer before purchasing together —
equity splits decision making
and what happens if someone
wants out
✅ City and county renovation grants —
free money most agents and
homeowners have no idea exists
✅ How to find renovation grants in
your area — it is easier than
you think
✅ HELOC vs cash out refi vs renovation
loan — which one is right for
your client and when
✅ The hidden benefit of a renovation
loan over a HELOC that nobody
talks about
✅ Hard money loans for flips —
what they are and when to use them

If you have clients sitting on equity
or thinking about renovating or
purchasing a home with family members
this episode is required watching
before that conversation happens.

This is the kind of information nobody
teaches real estate agents. And knowing
it will make you a better advocate for
your clients and a more professional
agent in every single transaction.

Need a Great Real Estate Coach and Mentor....
Join my Skool Community! https://www.skool.com/rebusinessbuilder/about
🔗 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: nikki@kevnikgroup.com
📘 Facebook | TikTok | Instagram:
@mortgagesfrommntoaz

00:00 Introduction – Market Update Week
of August 11th
00:30 Interest Rate Update – Volatility
Settling Into Mid to High Sixes
01:30 Family Home Purchases – What Every
Agent Needs to Know
03:00 Treat It Like a Business Not a
Family Transaction
04:30 What Happens When Emotions and
Equity Collide
06:00 City and County Renovation Grants –
Free Money Most People Do Not Know About
08:00 HELOC vs Cash Out Refi vs Renovation
Loan – Which Is Right for Your Client
09:30 The Hidden Benefit of a Renovation
Loan Over a HELOC
10:30 How to Reach Nikki & Closing

#realestate #lender #mortgagerates

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/

Send us Fan Mail

Welcome to my Monday Market Update for the week of August 4th with Nikki Erickson from Kevnik Mortgage! This week we have one of the most practical and important episodes we have done yet — the questions every listing agent should be asking when they receive a buyer's pre-approval letter. Most agents call the lender and ask "are they good to go?" That is not enough. And this week Nikki breaks down exactly what to ask and why — including questions that could save your deal from falling apart at the last minute.

This week we are covering:

✅ Interest rate update — back into the upper sixes and what is driving the volatility

✅ The 5 questions every listing agent should ask when they receive a pre-approval letter

✅ Has the lender reviewed income and assets or just pulled credit?

✅ Has employment actually been verified not just stated by the borrower?

✅ Has the file gone through the automated underwriting system and what does that mean?

✅ Have any conditions been identified that could delay closing?

✅ Is the buyer approved on estimated or property specific numbers?

✅ What variable income is and why it matters more than most agents realize

✅ How to look up any lender on the NMLS Consumer Access website before you trust them with your clients

✅ Why Nikki does rescue missions for incorrect pre-approvals more than you would ever expect This is the kind of information nobody teaches real estate agents. And knowing it will make you a better advocate for your clients and a more professional agent in every single transaction.

🔗 NMLS Consumer Access Website: www.nmlsconsumeraccess.org

📞 Connect with Nikki Erickson at Kevnik Mortgage: 📱 Call or Text: 952-484-1584 📧 Email: nikki@kevnikgroup.com 📘 Facebook | TikTok | Instagram: @mortgagesfrommntoaz

Join my Skool Community! https://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/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/

Send us Fan Mail

This week we have a really important
warning for every agent and buyer
considering new construction — plus
your weekly interest rate update during
Fed Meeting Week.

Welcome to your Monday Market Update for
the week of July 28th with Angie Gerber
and Nikki Erickson from Kevnik Mortgage!

This week we are covering:
✅ Fed Meeting Week — what to expect
from the announcement and why rates
should stay stable or improve
✅ Interest rate update — after hitting
the high sixes last week we are back
to mid sixes today
✅ New construction warning — a builder
tactic agents need to know about
right now
✅ How some builders are falsely
inflating neighborhood home values
using buyer incentives
✅ Why this connects directly to the
tactics that caused the 2008 crash
✅ New construction vs existing homes —
the real cost comparison every client
needs to see
✅ Window treatments landscaping
appliances and all the hidden costs
of new construction
✅ How to research builder quality
before your client commits —
including TikTok
✅ Why new construction is its own lane
and what agents need to know before
going all in

If you have clients looking at new
construction right now this episode
is required watching before you write
that purchase agreement.

Need a Great Real Estate Coach and Mentor....
Join my Skool Community! https://www.skool.com/rebusinessbuilder/about
🔗 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: nikki@kevnikgroup.com
📘 Facebook | TikTok | Instagram:
@mortgagesfrommntoaz

00:00 Introduction – Market Update Week of July 28th
00:30 Fed Meeting Week – What to Expect from
the Announcement
01:30 Interest Rates – Volatility Back to
Mid Sixes Today
02:30 New Construction Warning – What Every
Agent Needs to Know Right Now
04:00 The Builder Inflation Trap – How Builders
Are Falsely Inflating Home Values
06:00 How This Connects to the 2008 Crash –
A Warning for Agents
07:30 New Construction vs Existing Homes –
The Real Cost Comparison
09:00 Do Your Research – TikTok Inspectors
and Quality of Build
10:00 How to Find Nikki & Angie's Skool
Community

#realestate #newconstruction #mortgagerates

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/

Send us Fan Mail

This week Nikki is joining us from her
family cabin — which inspired a really
important topic that every
agent, especially in MN needs to understand heading into
the second half of summer.

Second home lending. And all the ways
it can go sideways if you do not know
what to watch for.

This week we are covering:
✅ Interest rate update — mid to upper
sixes and what is driving the
volatility right now
✅ Iran tensions oil prices and how
the bond market is responding
✅ ICE housing data — more buyers are
entering the market
✅ Second home vs investment property —
the distinction that could cost your
client thousands
✅ The 100 mile rule — what qualifies
as a second home and the Minnesota
lake property exception
✅ The three deal killers in cabin and
second home transactions — well water
septic and heat source
✅ The VRBO trap — why clients calling
an investment property a second home
is a costly mistake
✅ Minimum 10% down requirements and
what triggers investment property
classification

If you have clients looking at cabins
lake homes or second properties this
summer this episode is required watching
before you write that offer.

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: nikki@kevnikgroup.com
📘 Facebook | TikTok | Instagram:
@mortgagesfrommntoaz
🔗 Request Nikki's Renovation Loan PDF:
nikki@kevnikgroup.com

00:00 Introduction – Market Update July 21st
00:30 Interest Rate Update – Mid to Upper Sixes
& What Is Driving the Volatility
01:30 Iran Tensions Oil Prices & the Bond Market
02:30 Second Home Lending – What Every Agent
Needs to Know
03:00 The 100 Mile Rule – Second Home vs
Investment Property
04:00 Well Water Septic & Heat Source –
The Three Things That Can Kill Your Deal
05:00 Minimum 10% Down on Second Homes –
VRBO Trap Agents Need to Avoid
05:30 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
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/

Send us Fan Mail

Most new real estate agents spend their first
30 days doing everything except the one thing
that will actually get them a closing.

Sound familiar?

In this video I am giving you the exact 30 day
roadmap I use with my coaching clients — the
same one I used in my own first year when I
closed over 30 transactions starting from zero.

No cold lead budget required. No fancy website.
No perfect headshot.

Just a clear day by day plan that works.

💬 Want my FREE For Sale By Owner
script? Drop 'SCRIPT' in the comments
with your email and I will send it
right to you!

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

🆓 And grab your free 30 Day Roadmap
PDF here: https://www.skool.com/rebusinessbuilder/about

In this video you will learn:
✅ Why 87% of agents fail in their first
five years and how to make sure you
are not one of them
✅ The busy work traps that kill new agent
careers before they even start
✅ Why your data bank is already full and
how to activate it starting today
✅ Phase 1 Days 1-7 — how to warm up your
sphere without feeling salesy or pushy
✅ Phase 2 Days 8-15 — how to expand beyond
your warm circle and find brand new people
to serve
✅ Phase 3 Days 16-30 — how to go from
contact to contract while keeping your
pipeline full at the same time
✅ The 60-90 day rule and why what you do
today matters more than you think
✅ The one mistake almost every new agent
makes in phase three that costs them
months of income

And the most important thing I can tell you:

Conversations equal currency. That is it.
That is the whole business.

🆓 FREE 30 DAY ROADMAP PDF — grab it in
my free Skool community: https://www.skool.com/rebusinessbuilder/about

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

💬 Want my FREE For Sale By Owner script?
Comment "SCRIPT" below with your email
and I will send it right over to you!
-----------------------------------------

👇 CONNECT WITH ANGIE GERBER
📧 angiegerber@gmail.com
📘 Facebook: facebook.com/angie.gerber.5
📸 Instagram: instagram.com/angie.gerber.5
🎵 TikTok: tiktok.com/@agcoaching4life
💼 LinkedIn: linkedin.com/in/angie-gerber-
coachingwithag
▶️ Subscribe for weekly real estate
coaching tips!
-----------------------------------------

#realestate #newrealestateagent
#realestatecoaching

00:00 Introduction – Why 87% of Agents Fail
in Their First Five Years
01:00 The Busy Work Traps Killing New Agent Careers
02:30 Your Data Bank Is Already Full – Activate It
03:30 Phase 1 Days 1-7 – Warm Up Your Sphere
06:30 Phase 2 Days 8-15 – Expand Your Reach
09:00 Phase 3 Days 16-30 – From Contact to Contract
10:30 Never Stop Prospecting – The Rule That
Changes Everything
11:30 Recap & Your Free 30 Day Roadmap PDF

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/

Send us Fan Mail

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: nikki@kevnikgroup.com
📘 Facebook | TikTok | Instagram:
@mortgagesfrommntoaz
🔗 Request Nikki's Renovation Loan PDF:
nikki@kevnikgroup.com

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
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/

Send us Fan Mail

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
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/