[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@nateloans "A low rate does not automatically mean you are getting a good mortgage deal. Always review the Loan Estimate carefully: 📄 Section A: Lender Fees This shows what you are really paying the lender 💰 Watch the total Unless you are buying down the rate upfront fees here should rarely exceed $2000 🎯 Points vs. Origination The label does not matter. Only the total cost counts 👉 Do not just shop the rate. Shop the deal. Click the link in my bio to set up a FREE XX min call to review your loan estimate. . . . #mortgage #mortgagetips #buyingahouse #firsttimehomebuyer"
TikTok Link @nateloans 2025-09-02T21:36Z 36.1K followers, 15.5K engagements

"Anyone that bought and held before the last housing crash is a lot better off from it. Theres nothing pointing to a housing crash now and even if we had one values will still recover in the long run. Thats why we say buy if you can afford to. . . . #buyingahouse #housingmarket #recession #firsttimehomebuyer #homeowner #inflation #wealth #realestate"
TikTok Link @nateloans 2024-04-24T17:01Z 36K followers, 2.1M engagements

"He heard all your prayers for lower rates and delivered an economic collapse instead. 😂 🙏 Trumps playing 4d chess we just cant admit it . . . #buyingahouse #realestate #housingmarket #recession #trump #homebuyer"
TikTok Link @nateloans 2025-03-14T00:52Z 36.1K followers, 96K engagements

"Luxury cars have got to be the biggest waste of money. You spent five years paying it off and its worth XX% of what you got it for. but you dont realize how big of a waste it is until you calculate how much that money would have grown to if it was invested if you take the $1300 per month that at BMW X5 cost and put it in an investment account you would end up with $100000 saved versus losing $50000 on the BMW. The only time I think it makes sense to buy a car like this is when it makes up a tiny fraction of your income or if you can depreciate it off as a business expense. . . ."
TikTok Link @nateloans 2024-12-02T23:58Z 36.1K followers, 37.7K engagements

"Thinking about refinancing your mortgage Its not just about dropping your interest rate. A smart refinance means looking at: Total refinance costs How long it takes to break even Extra savings from mortgage insurance (PMI/MIP) reductions If your break-even point is more than XX months away it may make sense to wait especially with rates trending lower. Always compare the upfront costs against your monthly savings before making the move. 📉 Learn how to refinance the right way and avoid costly mistakes. 📲 DM me if you want a free review of your situation. . . . #refinance #mortgagetips"
TikTok Link @nateloans 2025-09-14T16:33Z 36.1K followers, 3720 engagements

"Most buyers never actually read their Loan Estimate and thats how they get ripped off. 😬 In this video I break down how to spot when a loan officer buys down your rate by charging you hidden points and how to know if that low rate is actually costing you thousands. If you know what to look for you can save big before you sign. 💰"
TikTok Link @nateloans 2025-10-10T21:23Z 36.1K followers, 17.4K engagements

"Replying to @Victoria Troester Some lenders sneak in points by labeling them as origination fees. Theyre basically the same thing and it costs you big. In this market I wouldnt buy points unless the sellers covering them and even then Id prioritize other costs first. 👉 Send me your loan estimate if youre not sure what youre being charged. Ill break it down for you. #mortgagetips #buyingahouse #mortgage"
TikTok Link @nateloans 2025-06-27T20:51Z 36.1K followers, 258.3K engagements

"The Loan Estimate is one of the most important documents in the homebuying process but also one of the most confusing. Heres what to look for: ✅ Is your rate locked ✅ Which loan program is listed ✅ Section A: Lender fees (watch if theyre $2k+) ✅ Section B: Third-party fees (common with brokers) ✅ Section J: Lender credits Most buyers skim right past this and miss thousands in hidden costs. If you want someone to break it down line by line and show you whats really worth paying click the link in my bio to set up a free call. . . . #mortgage #mortgagetips #buyingahouse"
TikTok Link @nateloans 2025-08-28T20:38Z 36.1K followers, 63.6K engagements

"Thinking about an FHA loan Watch out for the Upfront Mortgage Insurance Premium (UFMIP). Its a big fee added at closing even if you only keep the loan for a short time. If you plan to refinance in a year or two Conventional financing might be the better move if you qualify. It can help you avoid paying thousands in extra costs. 📲 DM me if you want a side-by-side comparison before locking in your loan. . . . #mortgage #buyingahouse #fha"
TikTok Link @nateloans 2025-06-26T00:35Z 35.7K followers, 23.6K engagements

"The refinance tip no lender will tell you about: use lender credits to offset your closing costs. Especially with rates nosediving lock in the savings now but leave the door open to future refis if rates drop more. . . . #refinance #mortgage #interestrates"
TikTok Link @nateloans 2025-04-04T18:48Z 35.9K followers, 4746 engagements

"Boomers act like dropping the price $20k is a disaster meanwhile they bought the place for next to nothing and are still walking away with millions. Different world. . #housingmarket #realestate #boomers #millennials"
TikTok Link @nateloans 2025-10-03T17:05Z 36K followers, XXX engagements

"PSA for new construction buyers: Builder lenders love to advertise big credits toward closing costs but heres the trick: their mortgage rate is usually marked up. That $20k incentive often just goes right back into buying down the inflated rate to what any normal lender couldve offered you in the first place. Always compare quotes with an outside lender before signing anything. Knowledge = leverage 🧠 #greenscreen"
TikTok Link @nateloans 2025-10-14T20:17Z 36.1K followers, XXX engagements

"The same parents who say we just want the best for you while accepting a cash offer from private equity instead of their kid trying to buy with XX% down 😅"
TikTok Link @nateloans 2025-10-13T20:37Z 36.1K followers, 67.9K engagements

"Replying to @user8269982061067 25000 will definitely get you into a house and its possible to do it with even less a lot of my clients buy homes with no money out of their pocket. I feel like 25000 is a good goal for first time homebuyers because its enough in most areas in the country. . . . #buyingahouse #downpayment #firsttimehomebuyer #mortgagetips #realestate #greenscreen"
TikTok Link @nateloans 2024-10-18T17:14Z 36K followers, 2327 engagements

"Be careful what you wish for Lower rates will be nice at first but eventually will bring millions of more buyers to the marketdriving prices up. Im not even sure we will see rates that low next year but if we do it wont make buying a home any easier. . . . #buyingahouse #interestrates #housingmarket"
TikTok Link @nateloans 2025-09-26T18:15Z 36.1K followers, 166.5K engagements

"If youre buying a house you need to understand the mortgage pricing grid. This is what loan officers use to decide what rate to offer you and heres the secret: there isnt just one rate. There are options with points no points and even lender credits. The best choice depends on your goals and how long youll keep the loan. But most lenders dont break it downor worse they only show what benefits them. Know the grid and youll know how to save money. Reach out to me to learn more about how this works. . . . #buyingahouse #mortgagetips #mortgage #realestate #housingmarket #firsttimehomebuyer"
TikTok Link @nateloans 2025-04-14T21:48Z 36K followers, 39.9K engagements

"Make it make sense 😭 You can pay $3500 in rent but somehow dont qualify for a $3000 mortgage. #homebuying #mortgagetips"
TikTok Link @nateloans 2025-10-10T16:45Z 36.1K followers, 115.5K engagements

"Anyone else ever think back to 2021 when you could have bought a $300k house with $1500 payments but didnt because you thought the market would crash 😭"
TikTok Link @nateloans 2025-10-11T17:28Z 36K followers, 1183 engagements

"Every mortgage lender will provide you with a loan estimate when you go under contract and it is critical that you learn how to read it because otherwise youll end up paying thousands of dollars Moore in origination fees and discount points without realizing it. Even though the loan estimate looks complicated its really simple to digest if you know what to look for. Section A will have the lender specific fees. Its important for the other sections to be quoted correctly so you have an accurate estimate of your total cash to close but to know youre getting a good deal you have to understand"
TikTok Link @nateloans 2025-05-17T20:59Z 36.1K followers, 87.7K engagements

"When did affordable housing become a $600k price point . . . #housingmarket #buyingahouse #realestate"
TikTok Link @nateloans 2025-09-27T13:12Z 36K followers, 7721 engagements

"The most important factor of a mortgage preapproval is the debt to income ratio. Loan amounts are also important but ultimately you are committing to the monthly payment for XX years. The max loan amount is derived from the debt to income ratio. Even though the ratio can go up t0 XX% this is rarely advisable. When you figure out what monthly payment youre comfortable with that number will be used to determine the loan amount. . . . #buyingahouse #mortgage #preapproval #mortgagetips #homebuyertips #firsttimehomebuyer"
TikTok Link @nateloans 2024-11-05T15:17Z 35.9K followers, 8688 engagements