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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
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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/
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Welcome to your Monday Market Update for the
first full week of July — with Angie Gerber
and Nikki Erickson from Kevnik Mortgage!

This week we are covering some really exciting
mortgage options that most agents are not talking
about — plus a friendly but firm reminder from
Coach Angie about your prospecting this summer.

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

This week we are covering:
✅ Interest rate update — low to mid sixes
and when we could see the high fives
✅ Oil prices, the Fed and what it all means
for your buyers right now
✅ Renovation loans — why they are easier
than ever and who qualifies
✅ Non-QM loans for self employed borrowers
— the fastest growing mortgage sector
right now
✅ Cash vs Conventional vs FHA vs VA —
what every agent needs to know
✅ Why sellers should stop discounting
FHA and VA offers
✅ How a renovation loan can flip an FHA
deal and save the transaction
✅ A friendly reminder from Coach Angie —
what you do today shows up in your
business in September and October

Whether you are a buyer seller or real estate
agent this weekly update gives you the
information you need to show up as the expert
your clients need.

📞 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

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

00:00 Introduction – Welcome to the First Full Week of July
00:30 Interest Rates Update – Low to Mid Sixes & What's Coming
01:30 When Will We See High Fives? – Oil Prices & the Fed
02:30 Renovation Loans – A Game Changer for Budget Conscious Buyers
04:00 Non-QM Loans – Options for Self Employed Borrowers
05:30 Cash vs Conventional vs FHA vs VA – What Every Agent Needs to Know
07:00 Don't Discount FHA & VA Offers – Here Is Why
08:00 Stay in Your Prospecting – A Friendly Reminder from Coach Angie
09:00 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

Welcome to the Monday Market Update

This week we are covering:

✅ Interest rate update — solidly in the mid to low sixes and what that means for your buyers

✅ The Wall Street Journal article on overpaying for your mortgage — and why it's misleading

✅ Why it's rarely about the interest rate and almost always about the strategy

✅ What first time buyers don't know that could cost them thousands

✅ Bank vs independent mortgage consultant — the huge difference in service and speed

✅ Why Bank of America is taking 7-9 weeks to close right now

✅ 4th of July week market update — is it actually slowing down?

✅ How to get your buyers closed in 30 days or less

Whether you're a buyer, seller or real estate agent this weekly update gives you the information you need to make smart decisions in today's market.

🔗 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

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/

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🏠 Real Estate Market Update | Week of June 21st

This week, Angie Gerber and mortgage expert Nikki from Kevnik Mortgage break down what's moving the market — and what every buyer, seller, and agent needs to know RIGHT NOW.

📉 What's in this episode:

• Oil prices drop to $73.50/barrel — what that means for interest rates
• Current rates sitting in the mid-6s (and how to get lower)
• CPI inflation numbers dropping Thursday — should you lock in NOW?
• Condo vs. Townhome financing: the difference that could make or break your deal
• How to tell if a property is a condo or townhome in Minnesota (hint: look for "lot and block")
• Why condos need 30–45 days to close vs. 2 weeks for townhomes
• HOA insurance changes from April and what they mean for your transaction
• Red flags to watch in association docs — before you list OR buy

📞 Connect with Nikki at Kevnik Mortgage:
📧 nikki@kevnickgroup.com
📱 952-484-1584
📲 @MortgagesfromMNtoAZ on Facebook, Instagram & TikTok

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/

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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.

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/

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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
🟧 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/

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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/
🟫 FOLLOW ME ON MY INSTAGRAM : https://www.instagram.com/angie.gerber.5/