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@whatsamortgage_
"🚨 Rate cut party didnt last long about XX minutes. Then Powell grabbed the mic and the market cooled off fast. Heres the deal: This cut was all about risk management the Feds worried about the labor market slipping. Inflation Still sticky and tariffs arent helping. Projections show just one more cut in 2026 thats it. If you locked in your rate already 👏 smart move. If not go back to your loan officer most can still make the numbers work. I made sure my clients got the same deal even after Powell spoke. 💡 Moral of the story: dont wait on perfect timing the market shifts in minutes"
TikTok Link @whatsamortgage_ 2025-09-17T23:23Z 210K followers, 26.1K engagements
"🔥 Veterans Get Ready to Build Not Settle 🔥 Big News: The VA now offers a Construction Loan that lets you buy land and build your dream home from scratchoften with XXX% financing and NO down payment. 🏡✨ Heres the scoop: New-build only not a fixer-upper situation. Youre building from the ground up. Money comes in stages as your home gets built funds are released in phases. No mortgage payments during construction you typically pay interest-only which is rolled into your loan later. 12-month timeline most loans convert into permanent mortgages within a year. Must use VA-approved lender &"
TikTok Link @whatsamortgage_ 2025-08-14T23:21Z 210K followers, 210.9K engagements
"How to avoid or defer capital gains taxes without a 1031 exchange 🤔Capital gains are applied to profits from real estate or other assets that exceed certain exemption thresholds. What rich people will do is place their capital gains in a deferred sales trust 📄💸 This allows them to use those funds towards more real estate or investments without paying taxes until money is personally withdrawn. If you want to learn more comment DST 💬 #capitalgains #homeownership #realestatetips #mortgagetips #homeownertips #whatsamortgage"
TikTok Link @whatsamortgage_ 2024-05-08T23:44Z 210K followers, 7869 engagements
"To refinance or not to refinance 🏡💸 It all depends on your situation If you plan on moving in the next 2-3 years it might not be worth it since refinancing costs money. However if you plan on staying in your home and have had your loan for X years or more a shorter term refinance might be a good option. If you have an FHA loan compare the new payment with the current payment + PMI to see if it's worth it. Overall it's best to refinance if rates improve by XXX% or more and your out-of-pocket costs are minimal. Don't owe more on your house than necessary 🙅♀ #refinance #mortgage #loanofficer"
TikTok Link @whatsamortgage_ 2023-05-04T00:12Z 210K followers, 65.5K engagements
"Another bank caught discriminating 🏦 👀 First national bank has been accused of ignoring Black and Latino neighborhoods in North Carolina by redlining. Redlining is when a borrowers loan is denied because they live in a poor area. The attorney general found that the banks competitors provided four times the amount of mortgage services in those areas. Do you see a lot of discrimination today If so where Let me know in the comments down below 💬 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip"
TikTok Link @whatsamortgage_ 2024-02-07T19:48Z 210K followers, 13.6K engagements
"Want to get the best deal on your mortgage Then you need to understand the X different types of mortgage lenders and what each bank specializes in. #homebuyingtips #realestate #home #learnontiktok #loanofficer #lifehack #moneysavingtips #CVSPaperlessChallenge"
TikTok Link @whatsamortgage_ 2022-07-28T22:06Z 210K followers, 11.4K engagements
"Heres what you can afford in CA if you make $75k #realestate #loanofficersoftiktok #education #home #mustbenice"
TikTok Link @whatsamortgage_ 2022-01-05T01:59Z 210K followers, 29.2K engagements
"BOI Update: Mandatory Reporting Now Due by March XX 2025 Its official: the Beneficial Ownership Information (BOI) reporting requirements are back in effect. Following a recent court decision the Financial Crimes Enforcement Network (FinCEN) has reinstated these obligations and extended the filing deadline to March XX 2025 for most companies. Key Points: Who Needs to File: Corporations LLCs and other similar entities are required to report their beneficial ownership information. How to File: You can submit your BOI report directly through FinCENs secure E-Filing system at no cost. Avoid"
TikTok Link @whatsamortgage_ 2025-02-21T01:03Z 210K followers, 40.4K engagements
"🚀 Up and Away People say when mortgage rates hit X% it could reignite the housing marketbringing more buyers back and pushing home prices up. 📈 Heres why: 📊 At X% rates about 31.5M families qualify to buy a home. 🏡 At X% rates that jumps to 36M familiesthats 4.5M MORE buyers suddenly in the game. Example: 👩❤👨 This couple qualifies for a $900K home at X% with a $6700 payment. Drop the rate to X% and now they can afford $980Kalmost $80K more ✅ Lower rates = More buyers qualify for what they want. 💬 Do you think lower rates will cause another housing market boom Comment below"
TikTok Link @whatsamortgage_ 2025-08-12T14:18Z 210K followers, 16.5K engagements
"An example of how much mortgage payments will increase with a X% interest rate. #realestate #homebuyingtips #firsttimehomebuyer #loanofficer #interestrates #buyingahouse #californiarealesate"
TikTok Link @whatsamortgage_ 2022-09-28T20:13Z 210K followers, 36.7K engagements
"If you bought a home and you have private mortgage insurance (PMI) here's how you can save yourself a couple of hundred bucks on it. This ONLY applies if you bought your home between 2020 to 2022 with a conventional loan and less than XX% down #privatemortgageinsurance #mortgage #homebuyingtips #firsttimehomebuyer #realestate #mortgagehacks #realestatetiktok"
TikTok Link @whatsamortgage_ 2023-08-18T00:20Z 210K followers, 41.2K engagements
"@Minhs2Cents 🔥 Big News for Homeowners with FHA Loans 🔥 The Mortgage Insurance Freedom Act could change the face of homeownership forever. 🏡💸 Right now FHA borrowers pay Mortgage Insurance Premiums (MIP) for the entire life of their loan unless they refinance. Thats expensive 😤 With this proposed bill MIP will be automatically removed when youve paid your loan down to XX% of the purchase pricemaking FHA loans much more affordable. 🙌 💡 Heres why this is HUGE: ➡ If you bought with XXX% down at a X% rate it takes about XX years to automatically drop MIP. ➡ With this bill you could pay off"
TikTok Link @whatsamortgage_ 2024-12-27T17:18Z 210K followers, 413.5K engagements
"📢 ATTENTION CALIFORNIA HOMEOWNERS The BIG tax win youve been waiting for is finally here 🔥 ✅ The SALT cap just increased from $10000 to $40000 starting in 2025 ✅ If your household makes under $500K you can now write off: 💸 State income taxes 🏡 Property taxes 💰 Plus mortgage interest + other deductions This means more money in your pocket especially if you itemize instead of taking the standard deduction. Its a game changer for homeowners in high-tax states like California. 🎯 Dont sleep on this update plan ahead and get your finances ready. 👉 Minhs Take: This is a big win for California"
TikTok Link @whatsamortgage_ 2025-07-09T22:45Z 210K followers, 227.7K engagements
"Easy money window If the Fed eases up and cuts hiring picks up and rates drift down. Thats your cue to level up skills lock a better job kill high-interest debt and invest with a planstocks real businesses and only the crypto you actually understand. Dont overextend. Stack your chips for the next two years and stay disciplined. Comment: where are you investing in 2026 @minh2cents (not financial advice) #mortgagerates #personalfinance #stockmarket #crypto #wealthbuilding"
TikTok Link @whatsamortgage_ 2025-10-16T14:14Z 210K followers, 1843 engagements
"🚨 Major class action filed Oct X 2025 in Florida against D.R. Horton and DHI Mortgage. The lawsuit alleges they understated property taxes in monthly payment estimates; after closing when a new servicer recalculated escrow some buyers saw payments jumpsometimes close to $1000/month. Nothing is proven yet. Why this hits new construction: Year X taxes are often based on land or partial assessment; Year X can spike when the full home value hits the tax roll. That alone can raise paymentsso double-check the math. Do this now: Save your Loan Estimate and Closing Disclosure ask your lender to show"
TikTok Link @whatsamortgage_ 2025-10-15T14:22Z 210K followers, 7100 engagements
"Omg it just real Blackstone who is one of the largest investment firm in world jusr raises XXXX billion dollars to compete with you to buy your home #homebuyers #housingcrisis #buyahouse #firsttimehomebuyer"
TikTok Link @whatsamortgage_ 2023-04-14T00:15Z 210K followers, 2.2M engagements
"Is that a bird 🐦 A plane ✈ Nope its mid-rise housing headed your way. California just signed SB XX now allowing multifamily buildings up to nine stories near high-frequency transit stops. This new law overrides some local zoning in urban transit counties for properties within mile of eligible transit hubs and includes affordability and anti-displacement protections. So yeah the gloves are off. If your home is within those zones your surroundings might look very different soon. Some people see this as a smart fix to the housing crisis. Others see it as a threat to community character. 👇 What"
TikTok Link @whatsamortgage_ 2025-10-13T14:12Z 210K followers, 12.3K engagements
"The ONE mortgage hack i completely disagree with 🏡🚫 #mortgage #mortgagetips #mortgagehacks #mortgagehack #loanofficer #homeownership #homeowner"
TikTok Link @whatsamortgage_ 2023-04-08T19:12Z 210K followers, 504.4K engagements
"A Home Equity Agreement (HEA) allows borrowers to pull cash out from their home without making a mortgage payment. Zero payment zero interest zero qualifications. Heres how it works borrowers can take out up to XX% of the homes value BUT they have to share equity. That means the bank or lender gets a percent of that growth based on the new value when the home sells. More cash out means more equity shared. There are options to pay it off one time or in installments if the borrower does not want to share equity long term. This is not recommended unless absolutely necessary. Did you find this"
TikTok Link @whatsamortgage_ 2023-12-27T00:54Z 210K followers, 76.8K engagements
"Please Jesus let me be wrong today. 🙏 I said a govt shutdown could push mortgage rates higher but the 10-year dipped under XXX% and snapped back. Translation: rates havent blown up (yet). If the 10-year holds under XXX we should see mortgage rates improve. On a tight 2-week close Id stay put for now. Not working with me Ill shop lenders for you. Want real-time rate moves without watching bonds all day Follow @SoCalMinh and tap the 🔔 so you dont miss my updates. #mortgagerates #housingmarket #realestate #finance #minh2cents"
TikTok Link @whatsamortgage_ 2025-10-01T15:18Z 210K followers, 10.6K engagements
"🎯 Would you still pay X% commission if YOU brought the buyer Heres the story: A couple signed a 6-month exclusive contract with their agent to sell their home. A month later their own son decided to buy the house They told the agent Hey we dont need to sell anymore. But the agent said I still want my 5%. 😳 Heres the thing there are X main types of listing agreements when selling your home: X Exclusive Right to Sell agent gets paid no matter who brings the buyer. X Exclusive Agency you can sell it yourself and avoid paying commission. X Open Listing multiple agents can compete to sell it. In"
TikTok Link @whatsamortgage_ 2025-10-09T14:31Z 210K followers, 8775 engagements
"Ive seen this mistake happen way too often. A buyer gets a pre-approval letter then they find the house they want to buy their lender sends the rest of their documents for final approval and then BAMthe deal is dead Why Because the underwriter catches something that the lender didnt. A lot of times lenders will issue a skinny pre-approval. A skinny pre-approval is when the consumer gives minimal information to the lender when getting approved to buy a home. A lot of times lenders will do this because either the real estate agent or the consumer puts pressure on the lender to issue an approval"
TikTok Link @whatsamortgage_ 2023-06-13T00:07Z 210K followers, 70.6K engagements
"Citizens Bank shut down by the government due to financial issues The FDIC has taken over and it's all because of a bunch of bad loans that the bank didn't even know about. Who's saying the economy is strong now This is proof that our economies are in shambles let me know in the comments 🤔 do you think these bank shut downs are over or will there be more bank shut downs in 2024 👀 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip"
TikTok Link @whatsamortgage_ 2023-11-15T20:05Z 210K followers, 17.4K engagements
"Horrible day for home shoppers 😢 #mortgagerate #homeshopper #mortgageupdates #mortgagenews"
TikTok Link @whatsamortgage_ 2022-03-16T15:10Z 210K followers, 43.3K engagements
"Reply to @pb1230981 how much can you qualify for in CA if you make $110k/year 🏡 #realestate #homebuyingtips #loanofficer #LearnOnTikTok"
TikTok Link @whatsamortgage_ 2022-02-22T21:03Z 209.9K followers, 29.2K engagements
"Its 2025. I still believe every American should have a chance to own a piece of this country. But man these mortgage payments have gotten out of control. If youre a homeowner comment belowwhat year did you buy and whats your monthly payment Do you think theres any way to make housing affordable again in the U.S. Lets talk about it. #HomeOwnership #MortgageRates #HousingCrisis #RealEstateTalk #AmericanDream #AskMinhWin #WhatsAMortgage #Inflation #MortgagePayments #AffordabilityCrisis"
TikTok Link @whatsamortgage_ 2025-05-01T23:52Z 210K followers, 128.9K engagements
"🔍 Market Shift Alert In August 2025 56000 home purchase agreements in the U.S. were canceled thats XXXX% of homes under contract that month. A big reason Inspection / repair issues. Over XX% of canceled deals traced back to defects uncovered during inspections. What this means: the power is shifting from sellers to buyers. Buyers are getting pickier demand more from sellers and are willing to walk away. If youre buying or selling right now you cant ignore the condition of the home. 💡 Tip: Sellers get a pre-listing inspection so buyers arent surprised. Buyers know your rights be clear about"
TikTok Link @whatsamortgage_ 2025-10-10T16:46Z 210K followers, 70.4K engagements
"👀 Sneaky sneaky while interest rates stay high and many first-time buyers sit on the sidelines investors are moving in fast. 📊 Did you know XX% of single-family homes (not apartments not condos homes) are being scooped up by investors. Most arent hedge funds theyre mom-and-pop investors owning fewer than XX properties. Hot markets: Dallas Houston Phoenix Atlanta and Los Angeles. And heres the kicker: investors are outbidding first-time buyers by XXX% to X% of the purchase price. Even though the housing market is cooling for regular buyers its still heating up for investors. 💬 What do you"
TikTok Link @whatsamortgage_ 2025-10-14T13:59Z 210K followers, 2432 engagements
"With the recent changes to conventional loans putting XX% down on a home today will cost more than putting X% down #mortgage #homebuying101 #homebuyertips #realestate"
TikTok Link @whatsamortgage_ 2023-06-01T00:11Z 210K followers, 960.6K engagements
"💡 Want to pay off your home early and pay the least amount of interest Follow these X cardinal rules: X Everyones journey is different. Your interest rate loan type and balance all impact your payoff timeline. So when a guru says Just pay X extra and youll be debt-free in Y years thats oversimplified and usually wrong. X Make extra principal-only payments. Dont roll them into your regular mortgage payment. If you do the lender might apply part of that money toward interest which defeats the purpose. X Pay your regular payment first. Most lenders wont apply extra principal until your normal"
TikTok Link @whatsamortgage_ 2025-10-10T22:09Z 210K followers, 7783 engagements