As a Realtor and Proctor Gallagher Certified Consultant, I specialize in helping women overcome the personal obstacles that hold them back from reaching their full potential in business. 🎯 Join us every week for a Monday Market Update Episode for Real Estate Agents and consumers who want to stay on top of what's happening in real time. Thursday's episodes will focus on Mindset and leveling up in your Business. Check out my eBook for Real Estate agents - From Hustle to Harmony -- https://stan.store/AngieGerber It's not the business problems that are keeping you stuck, but the personal baggage you carry into your business — confidence, self-image, limiting beliefs, fear and old habits, to name a few. These barriers can keep you from stepping into the success you truly deserve. ❤️I’ve been where you are. I’ve done the work to transform both my personal life and my business, and I can help you do the same! I know that nothing changes if nothing changes, and I help women shift their mindset so they can finally achieve the results they desire.💥🔥✨ 🌟If you know a woman who is ready to step into her power and take her business to the next level, I’d love to connect. Send me a message and let me know what you think of today's episode or if I can be helping in any way! - Coach Angie
Rates soften as we anticipate a 25 bps Fed cut, and mortgage quotes start dipping into the fives while volatility cools. Fannie Mae’s new 5% down option for 2–4 unit primary homes opens the door to house hacking and refi's. Plus smarter Q4 planning starts with an obsession-level mindset.
Listen Now for the HUGE CHANGE!!
Bond yields slip under 4 percent as we track real-time rate pressure even through an AWS outage. We share three proven ways retirees can qualify for a new home, and why agents should vet lenders using NMLS to protect deals on both sides of the table.
Listen Now for More Great Info on the Following -
• asset dissipation underwriting for retirees
• starting retirement distributions to qualify
• chi...
We break down why rates dipped despite Government shutdown and show how your personal profile, not the headline number, decides your mortgage pricing. Credit tiers, down payment strategy, occupancy, term, and loan size all interact—and you can use them to your advantage.
Another MUST LISTEN to episode!!
You can find Nikki on TikTok, Instagram, and Facebook at mortgagesfrommntoaz and Email Angie at An...
Markets brace for a volatile week as a possible government shutdown threatens the BLS Jobs Report and nudges the 10-year Treasury, with mortgage rates holding in the low-to-mid sixes after losing recent gains.
We also map a path for no-score buyers using rent, utilities, and payment shock, then close with a reminder to show up fully present for clients.
• shutdown risk and jobs report uncertainty
• how bo...
The Federal Reserve's recent interest rate cut has ironically led to volatile mortgage rates as the bond market adjusts. Property tax reassessments in Minnesota, Arizona, Florida and many more states are causing homeowners' tax bills to double or triple as counties update values for the first time in a decade.
• Mortgage rates experiencing volatility following Fed rate cut due to bond market adjustm...
The Federal Reserve's meeting this week is expected to cut interest rates - Check in next week for the latest announcement!
The recently passed Homebuyer Protection Act eliminates predatory trigger leads that previously bombarded consumers with hundreds of calls after a mortgage credit check. Listen now for the details!
Also, more critical info to know as an agent and a consumer!
• Options for credit protection inc...
Aligning with the right broker or business partner is crucial for real estate success, yet many agents struggle with this decision. I wrote chapter nine of my eBook specifically to address this common challenge after repeatedly answering questions about brokerage alignment.
Listen now for all the things you might not be thinking about!
Some Highlights from this Episode:
• Always interview multiple brokerages to get ...
Mortgage rates have hit their lowest point in 18 months, creating opportunities for both buyers and sellers as we approach the sweet spot before home prices increase.
Listen Now for All the Latest in this Monday Market Update!
Some Key Takeaways:
• Jobs report came in lower than expected, causing the 10-year treasury bond to decrease
• Some borrowers now securing rates around 5.875%
• Expected Fed rate drop next ...
Chapter 8 - Are you worthy of your goals? The most powerful revelation that changed everything for me came when my coach said I'd need to leave behind 50-80% of who I am to achieve my biggest aspirations.
This revelation forms the foundation of true goal setting. If your goal doesn't simultaneously excite and terrify you, it's not big enough. If you already know exactly how to achieve it, it&ap...
This Week's Update -
The housing market is showing improvement in interest rates, with potential cuts coming from the Fed through the end of 2025, creating refinance opportunities for those with rates above 7%. Tariff Talk as well - depends on the court's ruling...
Home appreciation data reveals a dramatic increase pattern: 2% in one year, 7% in three years, and jumping to 50.5% at the five-year mark – explai...
The mortgage market saw significant improvement last week after Fed Chair Powell signaled a likely rate cut at the September 17th meeting, with rates dropping to around 6.25%.
Listen NOW for all the details you need to know!
This week we explore property occupancy rules in light of Fed Governor Lisa Cook's mortgage fraud investigation, explaining the critical differences between primary residences, second homes, a...
Mortgage rates have stabilized around 6.5-6.625% as markets await the September Fed meeting where rate cuts are highly anticipated. Financial experts believe the Federal Reserve has waited too long to implement rate cuts and will need to be aggressive with multiple cuts through year-end to catch up.
• Friendly Reminder - Fed rate cuts don't directly dictate mortgage rates but heavily influence the bond m...
The Fed has announced plans to cut interest rates at least three times over the next three Fed meetings, which is great news for the mortgage market even though rates aren't directly tied to Fed rates. As we approach mid-August, it's crucial to review your goals, understand your business metrics, and begin planning for 2026 since real estate operates on a 10-month business cycle.
Listen now and be s...
Interest rates have improved following a favorable jobs report, while Fannie Mae and Freddie Mac are expanding appraisal waivers to loans with lower down payments and high credit scores.
• Interest rates dropped about a quarter point (60 basis points) after Friday's favorable jobs report
• Fannie Mae and Freddie Mac redefining appraisal waiver algorithms
• Plans to extend appraisal waivers to lo...
We're more than halfway through the year, and it's time to assess our goals and business strategies. Top-performing agents with solid foundations are hardly feeling the market shift, continuing to receive steady referrals and leads while creating their own economy regardless of market conditions.
• Interest rates have settled back into the mid to high six range for 30-year fixed conforming loans
The mortgage market is experiencing volatility with interest rates fluctuating between the mid-to-high 6% range after pushing toward 7% last week, showing increased responsiveness to economic news and policy shifts.
• Interest rates have been affected by Federal Reserve meetings and uncertainty around fiscal policy
• Tension exists between Trump and Fed Chair Jerome Powell over interest rate policies
...
Chapter 7 - Fall In Love With Sales
Embracing sales is essential for success in real estate and business generally. Sales isn't about being pushy but about effectively communicating your value proposition in an authentic way that aligns with your personal style.
Listen for the following tips and MORE!
• You can't help clients if you can't sell them on working with you first
• Prospects ...
The Real Estate landscape is changing with Fannie and Freddie now accepting Vantage Score 4.0 for mortgage approvals, which includes rent, utilities, and cell phone payments that weren't previously considered. While we wait to see how interest rates will develop, successful agents are focusing on consistent action and authentic human connections rather than getting caught in market anxieties.
Be human and make con...
Interest rates continued their downward trend last week, settling into the 6.5-6.625% range as the stock market reached all-time highs following a significant Senate bill passage.
• Interest rates saw consistent decreases throughout last week
• Stock market at all-time high, positively affecting mortgage bonds
• Recent CNBC report highlighted 0.05% increase in 30-60 day mortgage delinquencies while i...
Mortgage interest rates hit a 30-day low, dropping 25 basis points today amid international tensions, while Florida's Governor DeSantis proposes eliminating property taxes on primary residences, which would impact billions in state revenue.
• Interest rates for 30-year fixed mortgages falling to around 6.5%, with volatility expected in coming weeks
• Recommendation to contact clients in purchase agre...
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I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
On Health Stuff, hosts Dr. Priyanka Wali and comedian Hari Kondabolu tackle all the health questions that keep you up at night with hilarity and humanity. Together they demystify the flashy trends, and keep you informed on the latest research. You can rely on Health Stuff to bring you real, uninhibited, and thoughtful health talk of the highest caliber, and a healthy dose of humor.
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