@mortgagemikechi Mike Scaccia
Mike Scaccia posts on Instagram about if you, business, insurance, liquidity the most. They currently have [-----] followers and [--] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
Mentions: [--] #
Followers: [-----] #
CreatorRank: [---------] #
Social Influence
Social category influence finance stocks
Social topic influence if you, business, insurance, liquidity, how to, housing market, debt, credit cards, products, factor
Top Social Posts
Top posts by engagements in the last [--] hours
"Most people are waiting to save 20% down because they think PMI is a waste of money. Truth is that mindset has kept more people renting than anything else. If home prices climb 4% in a year that $450000 home you were eyeing is now worth $468000. Meanwhile the cost of PMI mightve only been $150$200 a month and it eventually drops off. PMI is temporary. Lost equity is forever. Stop waiting for the perfect time. The best time was yesterday the second best is today. If you want to see exactly how little PMI would cost on your home shoot me a message and Ill break it down. #MortgageTips"
Instagram Link 2025-10-15T12:00Z [----] followers, [---] engagements
"Government Shutdown = Housing Market Shakeup When the government shut down on Oct. [--] it left the National Flood Insurance Program (NFIP) unable to issue new policies. That lapse alone could derail [----] home sales every single day across more than [-----] communities. Heres what buyers need to know: ✅ NFIP Coverage: If youre buying in a flood-prone area you could face canceled closings lender-placed insurance or financing falling apart. ✅ Loan Processing: IRS verifications and flood certs are delayed which means longer timelines. ✅ Mortgage Rates: Uncertainty in the markets can push rates up or"
Instagram Link 2025-10-03T12:00Z [----] followers, [---] engagements
"Most buyers still believe these myths and its holding them back from owning a home. [--] You need 20% down. [--] You cant get a mortgage with student loans. [--] You need perfect credit. Truth is none of thats true. There are loan programs with as little as 3% down options designed for buyers with student debt and approvals for credit scores far from perfect. Everyones situation is different. The best move Talk with a professional who can walk you through your options and create a plan to get you in a home sooner than you think. #HomeBuyingMyths #MortgageTips #FirstTimeHomeBuyer #MortgageEducation"
Instagram Link 2025-10-07T13:00Z [----] followers, [---] engagements
"If youre doing these four things youre in a better spot financially than most people. [--] Youve got an emergency fund [--] You dont carry high-interest debt [--] Youre not flexing with expensive stuff to look rich [--] Youre consistently investing 15%+ of your income into your future Its not about looking wealthy its about building real financial stability. Want to find out where you stand financially Lets break it down together hit the link in my bio or shoot me a message to get started. #FinancialFreedom #WealthBuilding #MoneyTips #PersonalFinance #Investing101 #FinancialHealth #MortgageMikeChi"
Instagram Link 2025-10-09T13:00Z [----] followers, [----] engagements
"@fergs2234 @jpmmccormick"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"@jmac8994 @miles.mcbride"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"@miles.mcbride"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"@phill_up_mycup @connorloanschicago @kariannedvorak @bloodandgor @riles4464 @badass_anderson"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"@mloverde @themattodor"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"@miles.mcbride @torilynnoc"
Instagram Link 2025-10-24T14:20Z [----] followers, [--] engagements
"What a time Two of the best people on the planet said I do this past weekend. Couldnt be happier for mi amigos Cheers to the OConnors 😉@phill_up_mycup @fergs2234 @em_leu @jpmmccormick @connorloanschicago @mloverde @jmac8994 @themattodor @kariannedvorak @miles.mcbride @bloodandgor @riles4464 @torilynnoc @badass_anderson"
Instagram Link 2025-10-24T14:20Z [----] followers, [---] engagements
"The Fed is quietly signaling a shift back toward Quantitative Easing (QE) and that move could reshape the entire housing market. Heres the key: When the Fed adds liquidity rates drop but prices usually rise even faster. Most buyers wait for lower rates and end up paying more for the same home. If you want to get ahead of the next liquidity wave now is the time to build your plan not after the headlines hit. DM me QE and Ill break down what this means for your buying power refinancing strategy or investment goals. #HousingMarket #FedUpdate #MortgageTips #RealEstateInvesting #HomeBuying101"
Instagram Link 2025-12-04T20:41Z [----] followers, [--] engagements
"As [----] comes to a close my heart is full. I celebrated some major milestones and crushed personal and professional goals. I began working on my business instead of in it. I took stock of things that mattered and figured out how to level up. The year came with its own challenges and Im proud to have it to the other side. Im beyond excited for the new year to do it all over again. To my team thank you for trusting me to lead from the front. My goals in [----] are focused on becoming the best leader I can be. To grow and help others and be best versions of ourselves. It starts with me though. To"
Instagram Link 2025-12-31T22:17Z [----] followers, [---] engagements
"Years almost over but the @celebrityhomeloans_joegabrione division is still going hard@dansulaski @leaderone_joegabrionegroup"
Instagram Link 2021-11-02T17:16Z [----] followers, [---] engagements
"Here are THREE ways to prep for becoming a homeowner: [--]. Prepare your credit While credit isnt the only factor when getting approved for a mortgage it is definitely important as it will help you achieve the best interest rate and allow you to qualify for certain products. Not to mention having good credit allows you to access other perks when purchasing other things cars credit cards hotels travel etc. Having a good history over the past [--] months with a good mix of different types of debt will help Installment loans credit cards on time payments. [--]. Prepare your cash flow (income & debts)-"
Instagram Link 2024-10-23T11:30Z [----] followers, [---] engagements
"The cost of waiting: Now its not the perfect time to buy at all times but for a lot of those with the means to afford purchasing it makes sense Heres why 👇 [--]. Potential increase in home prices: Over the past three years prices have risen by more than 18% in most markets. What does that mean for you thats a $5900000 house you could have bought three years ago for $500000 $1180000 house you could have paid only $1000000 for three years ago. Now are those price increases the norm definitely not A more reasonable and accurate rise would be 3-4%. Inventory is likely to remain low while demand is"
Instagram Link 2024-10-25T11:30Z [----] followers, [---] engagements
"The Gang Breaks Down Inflation Basically how everyone feels listening to the Fed. The next Fed rate decision comes in late January and markets will move well before the headlines do. If you want to understand what this actually means for mortgage rates buying power or timing a move: 👉 DM me FED"
Instagram Link 2026-01-26T13:30Z [----] followers, [---] engagements
"Buyers and agents How is your lender counterpart actively preparing everyone for what could go wrong Or are they just reacting Were about preparation and education. So when a clients appraisal comes in low nobody has to scramble freak out or blow up the deal. Weve already done the work upfront to handle it. We go over appraisal gap insurance and strategy. We know how to keep the deal on track. Thats the difference between reaction and preparation. And in this market that difference matters. #mortgagestrategy #appraisalgap #homebuyereducation #realestateprofessionals #buyersagent"
Instagram Link 2026-01-26T20:21Z [----] followers, [---] engagements
"The other week I hosted my first ever client appreciation event. This was a big milestone and something I always said I wanted to do and just never did. The night was a clear reflection of all the things Id done leading up to it. The early mornings long nights missed date nights or dinners all the things. That night gave me look into what other people thought of me my business and who I am as human being. I really never celebrate myself or my achievements because to be honest I dont feel Ive accomplished all that much. But that all relative. To many people Ive achieved a lot and to some yeah"
Instagram Link 2026-01-20T22:06Z [----] followers, [---] engagements
"20% down payment: OVERRATED For a lot of people tying up so much liquidity into real estate doesnt make the most sense. $400000 purchase price 20% down = $80000 5% down = $20000 Thats a $60000 difference. Instead of parking that extra $60k in home equity on day one what if you invested it At a modest 7% average annual return (historical S&P [---] range) $60000 becomes roughly $118000 in [--] years. Thats about $58000 in growth without selling your house or refinancing. Meanwhile the cost of putting less down is usually just PMI. On a loan like this PMI might be around $120$180/month and it"
Instagram Link 2026-02-16T14:48Z [----] followers, [---] engagements
"You cant rush a clean stroke. Same goes for buying a home. Clarity first. Pressure last. DM me CLARITY #GolfMindset #MortgagePlanning #HomebuyerEducation #ProcessOverPanic RealEstateFinance"
Instagram Link 2026-01-27T22:15Z [----] followers, [---] engagements
"Archives. New Year kickoff with my hottest homie.@em_leu"
Instagram Link 2026-02-02T16:04Z [----] followers, [---] engagements
"Winners playbook for homebuyers in 2026"
Instagram Link 2026-02-03T18:53Z [----] followers, [---] engagements
"Welcome to a series where I ask seasoned loan officers about different mortgage real estate credit and finance scenarios to figure out whats OVERRATED vs UNDERRATED. This week on OVERRATED or UNDERRATED: Paying discount points. Lower rate sounds great but is it actually worth the upfront cost The real answer depends on how long you keep the mortgage. If you dont hit the breakeven point you didnt save money you just prepaid interest. Let me know in the comments do you think paying points is overrated or underrated #MortgageStrategy #HomeBuyingTips #RealEstateFinance #InterestRates"
Instagram Link 2026-02-09T15:36Z [----] followers, [---] engagements
"3% rate Sure let me see if we have any in the back#loanofficer #firsttimehomebuyer #mortgagetips #housingmarket"
Instagram Link 2026-02-10T20:17Z [----] followers, [---] engagements
"Self-employed income doesnt always look pretty on paper and thats where bank statement loans come in clutch. Instead of using tax returns (that often show lower income after write-offs) a bank statement loan looks at [----] months of deposits to calculate real cash flow. In other words we qualify the business owner based on how the business actually performs not just whats left after deductions. This can be a game-changer for entrepreneurs business owners and [----] earners who make great money but dont look good on a traditional loan application. Because sometimes the problem isnt income its how"
Instagram Link 2026-02-11T14:43Z [----] followers, [---] engagements
"Years almost over but the @celebrityhomeloans_joegabrione division is still going hard@dansulaski @leaderone_joegabrionegroup"
Instagram Link 2021-11-02T17:16Z [----] followers, [---] engagements
"The cost of waiting: Now its not the perfect time to buy at all times but for a lot of those with the means to afford purchasing it makes sense Heres why 👇 [--]. Potential increase in home prices: Over the past three years prices have risen by more than 18% in most markets. What does that mean for you thats a $5900000 house you could have bought three years ago for $500000 $1180000 house you could have paid only $1000000 for three years ago. Now are those price increases the norm definitely not A more reasonable and accurate rise would be 3-4%. Inventory is likely to remain low while demand is"
Instagram Link 2024-10-25T11:30Z [----] followers, [---] engagements
"Here are THREE ways to prep for becoming a homeowner: [--]. Prepare your credit While credit isnt the only factor when getting approved for a mortgage it is definitely important as it will help you achieve the best interest rate and allow you to qualify for certain products. Not to mention having good credit allows you to access other perks when purchasing other things cars credit cards hotels travel etc. Having a good history over the past [--] months with a good mix of different types of debt will help Installment loans credit cards on time payments. [--]. Prepare your cash flow (income & debts)-"
Instagram Link 2024-10-23T11:30Z [----] followers, [---] engagements
"20% down payment: OVERRATED For a lot of people tying up so much liquidity into real estate doesnt make the most sense. $400000 purchase price 20% down = $80000 5% down = $20000 Thats a $60000 difference. Instead of parking that extra $60k in home equity on day one what if you invested it At a modest 7% average annual return (historical S&P [---] range) $60000 becomes roughly $118000 in [--] years. Thats about $58000 in growth without selling your house or refinancing. Meanwhile the cost of putting less down is usually just PMI. On a loan like this PMI might be around $120$180/month and it"
Instagram Link 2026-02-16T14:48Z [----] followers, [---] engagements
"Self-employed income doesnt always look pretty on paper and thats where bank statement loans come in clutch. Instead of using tax returns (that often show lower income after write-offs) a bank statement loan looks at [----] months of deposits to calculate real cash flow. In other words we qualify the business owner based on how the business actually performs not just whats left after deductions. This can be a game-changer for entrepreneurs business owners and [----] earners who make great money but dont look good on a traditional loan application. Because sometimes the problem isnt income its how"
Instagram Link 2026-02-11T14:43Z [----] followers, [---] engagements
"3% rate Sure let me see if we have any in the back#loanofficer #firsttimehomebuyer #mortgagetips #housingmarket"
Instagram Link 2026-02-10T20:17Z [----] followers, [---] engagements
"Welcome to a series where I ask seasoned loan officers about different mortgage real estate credit and finance scenarios to figure out whats OVERRATED vs UNDERRATED. This week on OVERRATED or UNDERRATED: Paying discount points. Lower rate sounds great but is it actually worth the upfront cost The real answer depends on how long you keep the mortgage. If you dont hit the breakeven point you didnt save money you just prepaid interest. Let me know in the comments do you think paying points is overrated or underrated #MortgageStrategy #HomeBuyingTips #RealEstateFinance #InterestRates"
Instagram Link 2026-02-09T15:36Z [----] followers, [---] engagements
"Winners playbook for homebuyers in 2026"
Instagram Link 2026-02-03T18:53Z [----] followers, [---] engagements
"Archives. New Year kickoff with my hottest homie.@em_leu"
Instagram Link 2026-02-02T16:04Z [----] followers, [---] engagements
"You cant rush a clean stroke. Same goes for buying a home. Clarity first. Pressure last. DM me CLARITY #GolfMindset #MortgagePlanning #HomebuyerEducation #ProcessOverPanic RealEstateFinance"
Instagram Link 2026-01-27T22:15Z [----] followers, [---] engagements
"Buyers and agents How is your lender counterpart actively preparing everyone for what could go wrong Or are they just reacting Were about preparation and education. So when a clients appraisal comes in low nobody has to scramble freak out or blow up the deal. Weve already done the work upfront to handle it. We go over appraisal gap insurance and strategy. We know how to keep the deal on track. Thats the difference between reaction and preparation. And in this market that difference matters. #mortgagestrategy #appraisalgap #homebuyereducation #realestateprofessionals #buyersagent"
Instagram Link 2026-01-26T20:21Z [----] followers, [---] engagements
"The Gang Breaks Down Inflation Basically how everyone feels listening to the Fed. The next Fed rate decision comes in late January and markets will move well before the headlines do. If you want to understand what this actually means for mortgage rates buying power or timing a move: 👉 DM me FED"
Instagram Link 2026-01-26T13:30Z [----] followers, [---] engagements
"The other week I hosted my first ever client appreciation event. This was a big milestone and something I always said I wanted to do and just never did. The night was a clear reflection of all the things Id done leading up to it. The early mornings long nights missed date nights or dinners all the things. That night gave me look into what other people thought of me my business and who I am as human being. I really never celebrate myself or my achievements because to be honest I dont feel Ive accomplished all that much. But that all relative. To many people Ive achieved a lot and to some yeah"
Instagram Link 2026-01-20T22:06Z [----] followers, [---] engagements
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