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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 week should help solidify current bond market position
• For every percentage point rates decrease, approximately 5 million new buyers enter the market
• Many Sellers become motivated at 5.5% regardless of their current mortgage rate

Visit kevnikmortgage.com for weekly Monday morning blogs with shareable content for social media, including today's blog about the right time to purchase.

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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
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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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's merely a task, not a transformative goal.

You simply cannot reach extraordinary destinations from your current state of being. Instead of working toward your goal, try coming from your goal—embodying the future self who has already achieved it.

The internal voices that keep us trapped in mediocrity are relentless: "What if I fail?" "Who am I to want more?" "I don't have enough experience." Feel the fear and act anyway. Discomfort isn't just normal on the path to achievement—it's necessary. As you get comfortable being uncomfortable, extraordinary things happen.

Focus on getting just 1% better each day, and soon you'll need a telescope to see the person you once were.

Join me next week when we'll discuss finding the right brokerage and partners to accelerate your real estate success. What version of yourself are you ready to become?

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!

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
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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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 – 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!
• Home appreciation follows a pattern: 2% (1 year), 7% (3 years), 50.5% (5 years)
• Refinancing typically makes sense with at least a 1-1.5% interest rate reduction

Agents
• Creating a 5-year plan with your clients
• HomeBot tool sends monthly neighborhood market updates to clients
• Fourth quarter is prime time to reconnect with past clients while competitors slow down
• Follow up with past clients from 2-3 years ago to discuss refinancing or moving options
• Be intentional about reaching out to your sphere, even if it's been years since last contact

Reach out to us to learn more about HomeBot and how we can partner together to bring value to your clients.

Contact Nikki on social media @mortgagesfromMN2AZ or call 952-484-1584 for mortgage questions.

Realtors! Contact Angie Gerber for business strategy and planning!

With Gratitude -
Angie Gerber
angiegerber@gmail.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!

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
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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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, and investment properties.

Some things to consider -
• Primary residences require occupancy within 60 days and offer lowest rates and down payments
• Second homes need 10% down, must be 100+ miles from primary or have distinct vacation characteristics
• Investment properties require 15% down minimum and carry higher interest rates
• Multiple second homes are possible, as are properties that combine personal use with rental income

Contact Nikki on social media @mortgagesfromMN2AZ or call 952-484-1584 for mortgage questions.

Realtors! Contact Angie at angiegerber@gmail.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!

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
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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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 market which affects mortgage pricing

Did You Know...
• Late mortgage payments don't automatically disqualify you from future home purchases
• With 12 months of on-time payments after delinquency, many borrowers regain qualification options
• Even one 30-day or 60-day late payment in the last 12 months doesn't prevent mortgage approval
• "Extenuating circumstances" like job loss can justify past late payments when applying for new mortgages
• Manual underwriting can help borrowers who don't receive automated approval
• Resources exist for homeowners experiencing financial hardship whether they want to move or stay put

If you're experiencing financial hardship or have questions about qualifying for a mortgage despite past payment issues, reach out to us. We can help develop a roadmap to homeownership regardless of your current situation.

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!

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
angiegerber@gmail.com

⬜ JOIN MY TIKTOK : https://www.tiktok.com/@agcoaching4life
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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 sure to tune in next Monday for a deep dive!

Reach out if you need any goal-setting or business planning materials. Until next week, go sell something!

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!

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
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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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 loans with lower down payments but high credit scores
• These changes will roll out in late 2025 into 2026

Agents - Take Action Today!
• National Night Out presents visibility opportunities for agents
• Community engagement ideas include school supply drives and local event sponsorships
• Plan fourth quarter activities now before vendors are booked

Subscribe to our channel, like this video, and leave a comment below to let us know how we can help you grow your real estate business.

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!

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
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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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
• Mortgage applications are increasing as buyers return to the market
• Pressure is mounting on Jerome Powell to decrease the Fed rate
• Many agents pride themselves on being available 24/7, but this approach leads to burnout
• Challenge yourself to unplug incrementally, starting with just 30 minutes away from your phone
• Embrace automation and AI to scale your business without scaling your time commitment
• Eliminate distractions that prevent you from completing high-value tasks efficiently

If you need help finding automation tools or resources to improve your business, reach out to us directly. Until next time, go sell something and have an amazing one.

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!

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
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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