Shows
Real Estate Agent Market Update and Mindset PodcastWhy Rising Rates, 50 Year Mortgage, & Builder Incentives Might Finally Tackle AffordabilitySend us a textRate pressure eases from shutdown lows while policy ideas aim at affordability. We weigh 50-year mortgages, transferable notes, builder incentives, and consumer credit reforms with clear pros and cons and practical context for buyers and sellers.You can find me at mortgagesfrommntoaz on either Instagram or TikTok. Also on social media, Kevnik Mortgage, or you can find me personally on Facebook as well!Regardless of what platform you're watching on, we would appreciate and love it if you would subscribe, follow, like, and comment. If there's anything you...
2025-11-1717 minReal Estate Agent Market Update and Mindset PodcastUntangling Mortgage Rates: Credit, Down Payments, and Why 19% Beats 20%Send us a textWe 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 Angiegerber@gmail.com or comment where you’re listening and we’ll reply. Support the showNow's The Time - no m...
2025-10-1315 minReal Estate Agent Market Update and Mindset PodcastYour Home's Hidden 50% Value Jump: The Five-Year Appreciation Secret - 9/2/25 UpdateSend us a textThis 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 – explaining why the 5–7 year timeframe is when many homeowners choose to move.• Interest rates and Tariff's - What may or may not happen...
2025-09-0218 minReal Estate Agent Market Update and Mindset PodcastMortgage Rates Drop After Fed Signals - 8/25/25 Monday Market UpdateSend us a textThe 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, and investment properties.Some things to consider -• Primary residences require occupancy within 60 days and offer lowest rates and down payments• Second homes...
2025-08-2615 minReal Estate Agent Market Update and Mindset PodcastPowell vs. Trump: The Battle That Affects Your Mortgage - July 21st Monday Market UpdateSend us a textThe 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• Fannie Mae and Freddie Mac will begin accepting Vantage Score 4.0 for mortgage qualification starting August 1st - What does this mean!!• Market conditions vary significantly across different states and regions• Agents need to stay in...
2025-07-2114 minReal Estate Agent Market Update and Mindset PodcastBeyond the Headlines: Finding Truth in Today's Real Estate Market - June 16th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe real estate market experiences volatility due to the Israel-Iran conflict while navigating inaccurate market reporting and dealing with predictions for future appreciation rates. • Interest rates fluctuated between 7.5% and 6.375% last week due to the Israel-Iran conflict affecting oil prices and bond rates• Current mortgage rates are just under 7% at 6.875% for 30-year conventional with good credit and good down payment• Government borrowing to fund conflict involvement affects 10-year treasury rates, which impacts mortgage interest rates• The Fed meeting announcement comes Wednesday with predictions of no rate decrease• Redfin's report clai...
2025-06-1614 minReal Estate Agent Market Update and Mindset PodcastJune 9th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe Monday Market Update returns with key insights on changing real estate markets across the United States, highlighting significant regional differences and explaining why waiting for interest rates to drop might cost buyers more in the long run.• Jobs report exceeded expectations with 160,000 new jobs versus the anticipated 92,000• Bond market reaction pushed interest rates higher, breaking through resistance levels• Interest rates likely heading toward or exceeding 7% this week as CPI reports and China trade talks add uncertainty• Florida homes now average 65 days on market (up 12 days from April) with 38...
2025-06-0911 minReal Estate Agent Market Update and Mindset PodcastJune 2nd, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textHere is the latest going on in the Market and a boost of Gratitude!• Trump announced doubling down on tariffs with China and the EU, affecting 10-year Treasury rates• Redfin's claim about seller/buyer imbalance lacks supporting data and seems designed to incite fear• Building trust requires becoming the reliable source of accurate information in your sphere• Gratitude serves as a foundation for success and opens you to greater possibilities• Your results directly reflect your thought patterns through the thought-feeling-action-result chain• We are halfway through the year—time to...
2025-06-0316 minReal Estate Agent Market Update and Mindset PodcastMay 5th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage interest rates experienced volatility last week due to rumors about Japan selling treasury securities but have since stabilized back into the high 6's with expectations to settle in the mid-six range throughout the week.Student loan collections have officially begun for approximately 10 million Americans with delinquent loans• 5.3 million borrowers are in default (more than 270 days late) while 4 million are 91-180 days late• Collection actions can include garnishing tax returns, social security income, and up to 15% of wages• First step for those in default is obtaining a curren...
2025-05-0516 minReal Estate Agent Market Update and Mindset PodcastApril 28th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe 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...
2025-04-2920 minReal Estate Agent Market Update and Mindset PodcastApril 21st, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe 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 voic...
2025-04-2211 minReal Estate Agent Market Update and Mindset PodcastApril 14th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textNikki 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 foc...
2025-04-1413 minReal Estate Agent Market Update and Mindset PodcastApril 7th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMarket 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!• E...
2025-04-0820 minReal Estate Agent Market Update and Mindset PodcastMarch 31st, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThis 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•...
2025-04-0115 minReal Estate Agent Market Update and Mindset PodcastMarch 24th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage 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 paymen...
2025-03-2510 minReal Estate Agent Market Update and Mindset PodcastMarch 17th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage 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...
2025-03-1716 minReal Estate Agent Market Update and Mindset PodcastMarch 10th, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage 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 completelyMore on New Co...
2025-03-1009 minReal Estate Agent Market Update and Mindset PodcastMarch 3rd, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textEverything 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...
2025-03-0312 minReal Estate Agent Market Update and Mindset PodcastFebruary 24th, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textEverything is looking positive in today’s mortgage landscape! We dive deep into recent trends in interest rates, providing insights on how buyers can strategically navigate the current market conditions. Watch for the housing number to come out later this week or tune in next week for all you need to know!• Recent improvements in interest rates make home-buying more accessible • Upcoming inflation data and its expected impact on mortgage rates • How small changes in rates can significantly affect monthly payments • Emphasizing the importance of a tailored home...
2025-02-2518 minReal Estate Agent Market Update and Mindset PodcastWeek 9 - Go, Get Your Goals - 90 Day Sprint!Send us a textWhat if your mindset could completely transform your reality? In week 9, I promise to reveal powerful strategies for mastering your mindset and achieving those elusive goals. Inspired by the teachings of Bob Proctor, I talk about the magic that happens when you mix the right attitude with imagination and consistent action. The conscious and subconscious minds play a pivotal role in shaping your perceptions and outcomes. Maintaining a positive outlook on external factors like the economy is crucial, and how surrounding yourself with supportive people can fuel your journey toward su...
2024-11-2120 minReal Estate Agent Market Update and Mindset PodcastWeek 8 - Go, Get Your Goals - 90 Day Sprint!Send us a textEver felt like you're on autopilot, trapped in monotonous routines that seem to stifle your true potential? In our latest goal-setting workshop episode, we reveal the art of breaking free from this cycle, guiding you to embrace conscious decision-making in alignment with your future self. Imagine shaking up your daily routine and recognizing the incredible capabilities of your body and mind. We share inspiring stories, including my own leap from a secure job to real estate, illustrating how belief, when integrated with behavior, can transform your life. By dedicating time each day for...
2024-11-0525 minReal Estate Agent Market Update and Mindset PodcastWeek 7 - Go, Get Your Goals - 90 Day Sprint!Send us a textWhat if the secret to unlocking your fullest potential lies in setting goals so ambitious, you have no clue how to achieve them? This week's episode is all about those elusive "C goals"—aspirations that stretch your imagination and push you beyond familiar boundaries. We promise you'll walk away with the tools to transform fear into faith, making those dream goals a tangible reality. By engaging emotionally and taking immediate action, you can break free from limitations and allow opportunities to manifest in your life.We also explore how a mindset sh...
2024-11-0124 minReal Estate Agent Market Update and Mindset PodcastWeek 6 - Go, Get Your Goals - 90 Day Sprint!Send us a textUnlock the secrets of self-transformation of self-image, inspired by Maxwell Maltz's groundbreaking "Psycho-Cybernetics." This episode reveals the nuanced layers of self-image, exploring how genetics and surroundings craft the person we both perceive and project. By gaining fresh perspectives and revisiting our self-perception, we can dismantle limiting beliefs and embrace a more expansive view of our potential.In an era dominated by screens and social media, how do we ensure our personal growth doesn't lag? We discuss practical strategies for enhancing productivity and nurturing relationships in a tech-driven world. Learn the art o...
2024-10-2233 minReal Estate Agent Market Update and Mindset PodcastWeek 5 - Go, Get Your Goals - 90 Day Sprint!Send us a textUnlock the potential of your mind by discovering the untapped power of your higher faculties. Imagine living a life driven by your inner faculties rather than being constrained by your senses. In this enlightening episode, I share my personal transformation with coach Bob Proctor, revealing how shifting perspectives can reshape our reality and amplify personal growth. Together, we explore the delicate dance between our five senses and higher faculties.Have you ever wondered how a simple change in perspective could revolutionize your life? Join us as we challenge ingrained beliefs and...
2024-10-1541 minReal Estate Agent Market Update and Mindset PodcastWeek 4 - Go, Get Your Goals - 90 Day Sprint!Send us a textWhat if your identity was not just your name and physical presence, but a vast network of spiritual and intellectual dimensions? Join us as we unravel the mysteries of the mind's power in shaping reality and discover how a shift in perspective can redefine your sense of self. We challenge the misconception that the mind is merely the brain, revealing instead its pervasive influence on our lives. With insights from influential thinkers like Bob Proctor, we show how conscious decision-making and intentional thinking can lead you toward your true goals.Explore...
2024-10-0826 min