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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

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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
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The real estate industry is undergoing dramatic changes with brokerages taking on private equity, reshuffling leadership, and adapting their business models to survive in the evolving market.

As agents, we must balance serving our clients excellently while also staying informed about industry developments that directly impact our businesses and long-term wealth creation.

Topic Covered in this episode:

• Traditional brick-and-mortar brokerages have multiple layers of ownership where commissions flow up from agents to team leads, franchise owners, and corporate leadership

• The transformation in real estate parallels other industries that were disrupted by technology platforms (Netflix vs Blockbuster, Uber vs taxis)

• Building your own wealth rather than someone else's - get an exit strategy!! Creating an exit strategy in real estate allows agents to build willable assets and avoid selling homes into their 70s

• Having the right business partners can accelerate success by providing strategic advantages and industry insights

Reach out to explore partnership opportunities that could help you build wealth while still providing excellent service to your clients. You don't need to choose between client service and business awareness—the most successful agents excel at both.

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 expert Nikki explains the critical importance of using proper language in purchase agreement addendums and how seemingly innocent terminology can create significant issues for mortgage approval. Proper communication between real estate agents and lenders before drafting addendums can prevent costly mistakes and ensure smoother transactions.

• Market update: Fed meeting expected this week with no anticipated rate cuts but updated economic projections
• Interest rates seeing slight increase due to market uncertainty but trending back down to mid-to-high 6% range
• Reducing purchase price often better than large seller credits that buyers might not fully utilize
• Keep addendum language clean and simple to avoid triggering additional verification requirements
• New trend requiring formal acknowledgment when buyers change lenders mid-transaction
• Partnering with knowledgeable professionals crucial as guidelines constantly change

Reach out to Nikki or Angie with any questions about purchase agreement language or mortgage guidelines.

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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I continue to see agents ignoring their most valuable asset while chasing expensive leads and giving away half their commission.

Your database of past clients and sphere represents an untapped goldmine of business opportunity that most agents aren't leveraging effectively.

I call it your Databank!!

• Stop stepping over $100 bills to pick up pennies by ignoring your database
• Each past client knows 250-600 people who could potentially need real estate services
• Don't let fear of reconnecting stop you from reaching out to past clients
• Stay top-of-mind through consistent, strategic communication
• Conversations equal currency—the more touchpoints, the more business
• Fall in love with sales or consider leaving the business
• True leaders take 100% responsibility for their results
• Never cap your goals—aim for "this or better" rather than limiting yourself

Ready to transform your real estate business and tap into your database properly? I provide elite-level coaching without the expensive team splits or monthly fees. Reach out to learn how to get from where you are to where you want to be.

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 rates are holding in the mid to high 6% range with positive indicators from the bond market and expected lower CPI numbers suggesting future rate decreases. Property taxes on new construction homes follow a complex pattern from lot tax to full assessment that significantly impacts mortgage qualification and payment changes over the first few years of ownership.

• Current mortgage rates remain in the mid to high 6% range
• Improving bond market and expected lower CPI should help push rates down
• Florida considering eliminating property taxes completely

More on New Construction -
• New construction initially has "lot tax" on bare land only
• Lenders must qualify buyers using estimated full tax amounts
• In Arizona, some lot taxes are $0, requiring lenders to use estimated future taxes
• Minnesota uses an interim tax amount between lot and full tax during construction
• Property taxes will increase substantially in first few years of new home ownership
• Both lenders and title companies provide crucial tax information for qualification
• Transparent communication about future payment changes is essential for buyers

Reach out to us anytime if you have questions or need assistance with your mortgage or 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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Everything is still looking positive in today’s mortgage landscape!

We explore critical changes in condo financing due to evolving HOA insurance policies that can affect buyers and sellers alike. I'm going through this right now with a seller, who is also a buyer.

• Current interest rates stabilizing in the mid to high six range
• Insurance industry changes impacting HOA coverage requirements
• Understanding cash basis coverage and its implications for financing

If you need help or guidance, look us up on social media or connect with us here.

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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Success starts with a clear vision of your goals, yet many struggle with translating those dreams into actionable steps. In this episode, we dive deep into effective goal-setting strategies tailored for personal and professional growth.

How are your goals aligning with your day-to-day accomplishments? We discuss methodologies such as long-term versus short-term goals, helping listeners identify which approach resonates with them and evokes genuine motivation.

Throughout our conversation, you'll learn practical tactics for cultivating motivation, including the discipline needed to forge habits that align with your future self.

The heart of this discussion centers around accountability, encouraging you to explore what empowers you each day—be it financial success or personal growth. Discover how to shift your thinking, craft impactful disciplines, and embrace discomfort as a catalyst for remarkable change.

Join us as we unravel the complexities of goal setting, inspiring you to take decisive steps in your journey towards success. You won't want to miss these transformative insights! Tune in and be ready to elevate your game!

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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