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We unpack why a “stable” labor market may be overstated, why the Fed held rates, and how that steadiness is fueling a spring wave of property flips. We lay out practical rules for conventional, FHA, and non-QM deals, plus why lender choice and timing matter.

• Fed holds rates while labor signals weaken beneath the surface
• Jobless claims skewed by gig work and fewer filings
• Mortgage rates hovering high fives to low sixes
• Conventional flip resales and second appraisal triggers
• FHA 90-day rule, day 91–180 second appraisals, HUD REO exception
• Non-QM flexibility, DSCR changes, 90-day refi paths
• Why a second lender opinion can beat a single bank offer
• Spring market starts post–Super Bowl and prep steps for sellers and buyers

If you have any questions, always reach out Nikki Erickson or Me!!
Find Nikki @mortgages fromMNtoAZ, both on TikTok and Instagram. Otherwise on Facebook under Nikki Erickson or Kevnik Mortgage.

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With Gratitude -

Angie Gerber
angiegerber@gmail.com

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