# ![@gwestjr Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::6887799284612924421.png) @gwestjr Greg West| Mortgage Consultant

Greg West| Mortgage Consultant posts on TikTok about if you, debt, money, loan the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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### Social Influence

**Social category influence**
[finance](/list/finance)  60% [social networks](/list/social-networks)  3% [countries](/list/countries)  2% [automotive brands](/list/automotive-brands)  1%

**Social topic influence**
[if you](/topic/if-you) 22%, [debt](/topic/debt) #1107, [money](/topic/money) 14%, [loan](/topic/loan) 10%, [credits](/topic/credits) #2473, [how to](/topic/how-to) 7%, [credit cards](/topic/credit-cards) 7%, [in the](/topic/in-the) 5%, [closed](/topic/closed) 5%, [insurance](/topic/insurance) 5%

**Top accounts mentioned or mentioned by**
[@therealgregwestjr](/creator/undefined) [@tmloancom](/creator/undefined) [@mlo](/creator/undefined) [@herman](/creator/undefined) [@texas](/creator/undefined) [@mortgageeducators](/creator/undefined) [@anitaisaura](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Follow 📲@therealgregwestjr on Instagram Currently licensed to serve in: TX statewide Email me all loan inquiries at gwest@tmloan.com NMLS ID #1447959 #explore #explorepage #Mortgagetips #Mortgagelender #fyp #creatorsearchinsights The BEST place to start your career as a new mortgage loan officer (MLO) for beginners The BEST place to start your career as a new mortgage loan officer (MLO) for beginners"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7425456865250725163)  2024-10-14T02:45Z 57.1K followers, 92.8K engagements


"🚨 Mortgage Companies Hiring Now Looking to start your career in mortgage lending Check out these companies and how they operate Plus my new guide is available for those ready to get licensed 🏡💼 #MortgageJobs #NowHiring 🔹 SoFi Digital-first lender focusing on tech-driven home loans with competitive rates. 🔹 PennyMac One of the largest mortgage servicers offering direct lending & correspondent lending. 🔹 NEXA Mortgage A 100% commission-based broker with access to multiple lenders. 🔹 Edge Home Finance Independent mortgage brokerage with flexible lending options. 🔹 PNC Bank Traditional"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7485885706267544862)  2025-03-25T23:00Z 57.1K followers, [----] engagements


"💥 Veterans listen up Your VA loan is more powerful than you think Its not just for buying a home ✅ You can buy your dream house AND ✅ Use seller credits to pay off high-interest debt at closing ✅ All with ZERO down payment required Heres how it works: 🔹 100% financing no need to drain your savings. 🔹 Seller pays closing costs + pays down your debt (negotiated right) 🔹 Lower monthly expenses = more breathing room financially. 🔹 Own real estate + wipe out debt = Real wealth move. 🏡💳💵 This is how you turn your VA benefits into a financial reset 🔥 Dont just buy a house ✅ Buy smart. ✅ Buy"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7497998319428603167)  2025-04-27T14:23Z 57.1K followers, 540.1K engagements


"📣 POV: Just approved ANOTHER VA Loan with a 78% Debt Ratio because VA loans dont have a hard max DTI cap like Conventional or FHA. 🎯 Heres the truth: The VA loan is governed by AUS (Automated Underwriting System) not a fixed debt-to-income limit. That means as long as the AUS gives us the green light (aka Accept or Approve/Eligible) you can still qualify even with a high DTI. So what helps get an AUS approval with high DTI ✅ Strong credit score (typically 620+ but higher helps) ✅ Low monthly obligations outside the mortgage ✅ Verified residual income ✅ Clean payment history ✅ VA disability"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7533765985438895391)  2025-08-01T23:40Z 57.1K followers, 25K engagements


"Buying a home in [----] or [----] Dont make the same mistakes most buyers will. Heres the real game plan 👇🏽 [--] Get the seller to pay your closing costs. In this market buyers have leverage again so use it. Seller credits can save you thousands upfront even cover your rate buydown or escrows. [--] Permanently buy down your rate. Skip the temporary 2-1 buydown hype. When that teaser rate expires your payment jumps. Instead negotiate a permanent rate buydown that gives you long-term stability. [--] Dont overfund your down payment. Forget the put 20% down myth. Keep your cash for reserves emergencies or"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7560725389841141023)  2025-10-13T15:16Z 57.1K followers, 1.6M engagements


"FHA $100 Down Payment Program (HUD Homes) Did you know you can buy a house with only $100 down 👀 Thats not clickbait its the FHA $100 Down Program available only on HUD-owned homes (properties the government took back after FHA foreclosures). Heres how it works: 🏠 You must use FHA financing and plan to live in the home as your primary residence. 💰 Instead of 3.5% down you only put $100 total down regardless of the price. ⚙ You can still ask for seller credits and even roll in repair costs if needed. 💼 The home must be listed on HUDHomestore.gov and your lender must be HUD-approved. This"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7563376546103315742)  2025-10-20T18:44Z 57.1K followers, 427.5K engagements


"🏠 Buying OR Refinancing In [----] Read This Mortgage rates do not move randomly. They move based on demand for mortgage bonds. During COVID the government spent trillions buying mortgage bonds and rates dropped into the 2% range. Now in [----] the government is stepping back in again by buying hundreds of billions to help stabilize and ease rates. This does NOT mean rates crash overnight. What it DOES mean is less upward pressure more stability and more opportunity for buyers and homeowners who understand how to move strategically. In [----] smart borrowers focus on: 📉 Negotiating seller credits"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7593189675033054494)  2026-01-09T02:54Z 57.1K followers, 22.9K engagements


"🚨 If you want to become a Mortgage Loan Officer in [----] WATCH THIS 🚨 Too many people are obsessing over the [--] hours of required coursework like thats the hard part. Its not. The coursework is just a checkbox. You can literally finish it and still be completely unprepared for what actually matters. 📚 The NATIONAL SAFE Exam is the real gatekeeper. That exam tests comprehension application math federal law ethics and how well you can think under pressure. This is where most people fail. Not because theyre not smart but because they studied casually instead of strategically. 💡 Heres the"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7599836396097998111)  2026-01-27T00:46Z 57.1K followers, [----] engagements


"🏡 The barrier to homeownership is officially being removed For years the biggest thing holding people back from buying a home was the down payment. That excuse no longer applies. This FHA 3.5% Down Payment Assistance GRANT can fully cover the required down payment meaning you can focus on qualifying instead of saving for years. Heres what makes this program powerful 👇🏽 ✅ Up to 56.99% max DTI This allows significantly more flexibility for buyers with student loans car payments or higher monthly obligations. ✅ [---] minimum credit score You do not need perfect credit to become a homeowner. ✅ 1"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7600245995703766303)  2026-01-28T03:16Z 57.1K followers, 11.9K engagements


"You can buy a $300000 home with just 1% down 🏡 This strategy uses the RocketONE Loan Program which provides a 2% down payment grant toward the required 3% down on a conventional loan 💰 Seller credits can be used to help cover closing costs up to 3% of the sales price helping protect your cash on hand 📊 Household income must be at or below 80% of the area median income 📈 While the minimum credit score is [---] this program works best for buyers with 660+ credit scores. It also has no geographic restrictions no first time homebuyer requirement and is a great alternative to FHA loans. If you"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603071686639963423)  2026-02-04T18:01Z 57.1K followers, [----] engagements


"Veterans are getting denied for VA loans every day and most do not realize why Many Veterans apply with big name lenders like Navy Federal USAA and Veterans United expecting automatic approval. The problem is these lenders often require 620+ FICO scores even though VA guidelines do NOT set a minimum credit score requirement. Here is what is happening 👇🏽 ✅ VA loans are designed to help Veterans with flexible credit ✅ Many large lenders add stricter overlays like 620+ score requirements ✅ Veterans with scores below [---] get denied when they may still qualify with the right lender ✅ Different"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603229423998995742)  2026-02-05T04:13Z 57.1K followers, [----] engagements


"How Much Do Mortgage Loan Officers REALLY Make Lets Break It Down Mortgage loan officers are typically paid based on basis points (BPS)a unit of measure used to calculate commission. [--] BPS = 0.01% of the loan amount. Heres an example on a $300000 loan: [---] BPS (1.00%) = $3000 commission [---] BPS (2.75%) = $8250 commission Your total earnings depend on your agreed-upon split with your company. Some MLOs take home the full amount while others split with their brokerage. Want to learn how to become a mortgage loan officer and start making commissions like this Grab my step-by-step guide Link in"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7485525356431117599)  2025-03-24T23:41Z 57.1K followers, 157.4K engagements


"Everyone wants to be a Realtor these days until they realize Mortgage Loan Officers are moving WAY different 💼➡💰 Heres why I chose MLO over agent life: No open houses. Just closed deals ✅🏡 No driving across town. I work remote 💻✈ No weekends. I protect my peace 🕊 No chasing. I attract warm leads 📲 More deals. Less burnout. Period. While agents are spending $1000+ on leads & grinding for one offer Im closing deals daily with pre-approved buyers who NEED financing. If you want to: Build wealth Create time freedom Help families win And make $10K+ months without burning out Its time to get"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7491748259594112287)  2025-04-10T18:09Z 57.1K followers, 3.3M engagements


"🔥 Thinking about buying new construction in [----] Heres how to protect yourself save thousands and avoid costly rookie mistakes 👇🏽 [--] Get the builder to pay your closing cost. Most builders offer incentives you just have to ask. Let them cover your closing costs so you keep your cash for furniture savings or upgrades. That one move can save you $8K$20K easily. [--] Choose a permanent rate buy down not a 2-1 or 3-2-1 temporary teaser. Those temporary buydowns sound good upfront but your payment jumps later. A permanent rate buydown keeps your mortgage affordable for the long haul. [--] Make sure"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7571130960675212574)  2025-11-10T16:15Z 57.1K followers, 114.9K engagements


"Veterans if you are buying a home in [----] you need to maximize every benefit God has placed in your hands. The VA loan is one of the strongest wealth building tools in America. Most buyers never use it to its full potential. Benefits 👇🏽 🏡 $0 down on your primary home 🔥 No monthly mortgage insurance 💳 Seller can pay your debt off at closing 📉 Lower interest rates than most loan programs 💰 Keep more cash in your pocket for emergencies and investments When you are ready to apply book a call using the link in my bio DM me asap or register for my weekly homebuyer webinar. Lets get you pre"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7577867359017340190)  2025-11-28T19:56Z 57.1K followers, 146.6K engagements


"Veterans are sleeping on the VA IRRRL. This move can lower your rate shrink your payment and bring real relief in this economy. The process is simple and fast. Most vets close with almost no paperwork and can even pause up to [--] payments while the loan funds. 🔥 Benefits of the VA IRRRL 💥 Lower interest rate 💥 Lower monthly payment 💥 Pause up to [--] mortgage payments 💥 No appraisal required in most cases 💥 No income docs in most cases 💥 Fast closing and easy funding 💥 Minimal paperwork 💥 Roll closing costs into the loan 💥 Helps stabilize your budget If you are in TX GA CA or FL and your"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7580943418826722590)  2025-12-07T02:52Z 57.1K followers, 48.4K engagements


"This Is How You Pass the Mortgage Loan Originator Test the FIRST Time 🏡📚 If you are serious about becoming an MLO stop winging it and start studying with structure. The test is not about being smart. It is about being prepared consistent and disciplined. Here is the winning formula 👇🏽👇🏽 ✅ Use MLO Study Buddy: Built specifically to help you understand concepts instead of memorizing answers. Breaks down federal law ethics math and lending scenarios in plain language. Designed for first time test takers who want to pass on the 1st attempt. ✅ Join the FREE Facebook MLO Study Buddy Group"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7584636564819496223)  2025-12-17T01:43Z 57.1K followers, [----] engagements


"🔥 $75000 GROSSED IN [--] DAYS During the slowest months of the year as a Mortgage Loan Officer. This did not happen by accident. The market is not slow. Most MLOs are just unstructured. 📌 Here is the truth Income follows systems Consistency beats motivation Positioning matters more than rates 📘 My MLO Success Guide teaches you how to Get licensed the right way Get hired with confidence and clarity Get paid by building real systems that produce income This is not theory. This is the exact framework I use to win in any market. 📲 Grab the MLO Success Guide from the link in my bio Stop"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7590165999723253023)  2025-12-31T23:20Z 57.1K followers, 12.6K engagements


"VA IRRRL ALERT FOR VETERANS If your current VA mortgage rate is above 6% you need to read this: The VA IRRRL also called a VA Streamline Refinance allows eligible veterans to reduce their interest rate with little to no documentation and no appraisal required in most cases. Heres what most veterans do not realize 👀 📉 Lower interest rate If market rates have dropped since you bought this can immediately reduce your monthly payment. 💸 Lower monthly payment Even a 0.5% to 1% reduction can save you hundreds per month and tens of thousands over time. 🧾 No income verification W2s tax returns"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603820406797012254)  2026-02-06T18:27Z 57.1K followers, 18.1K engagements


"Mortgage Loan Modification: A Lifeline for Struggling Homeowners 🏡💰 If youre facing financial hardship due to job loss income reduction divorce or unexpected emergencies a loan modification can help you keep your home by adjusting your mortgage terms. Heres a full breakdown: [--] What is a Loan Modification A loan modification is a permanent change to your mortgage terms to make your payments more affordable. Unlike refinancing you dont need a new loanyour current lender adjusts your existing one. [--] Who Qualifies To get approved you must show a genuine financial hardship 📉 such as: ✅ Job loss"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7487363631252770079)  2025-03-29T22:35Z 56.8K followers, 19.1K engagements


"🚨 YOU DONT NEED EXPERIENCE TO GET STARTED. Heres how a brand new loan officer got [--] job offers his first week: ✅ Company #1: A [--] ten National Mortgage Lender who gives leads benefits & pays a 50k base salary BEFORE closing any loans 🤯 ✅ Company #2: A 100% self-sourced mortgage brokerage 📌 And heres the kicker: hes never closed a loan in his life. He has ZERO experience as an MLO. So why did they offer him the role 🔑 He got licensed 🔑 He had relationships 🔑 He showed up with hunger humility and hustle 💡 Real talk: I started this career with zero experience. And every successful LO I"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7511067031320481054)  2025-06-01T19:36Z 56.7K followers, 18.4K engagements


"Replying to @Herman A. Ramirez MLO 🚨 REAL COMMENT from a broker who made $65K in ONE MONTH 🤯 📍 Closed [--] loans. Changed his life. 💡 And it all started by becoming a loan officer. You dont need experience. You dont need a degree. You just need the right game plan. ✅ My MLO Success Guide teaches you: How to get licensed 🎓 How to get hired 🤝 How to get PAID 💰 📲 Download the MLO success guide with the link in my bio #LoanOfficerLife #MortgageBroker #MLOGuide #GregWestApproved #FaithAndFinance #CareerShift #HighIncomeSkills #MortgageMentor POV: This mortgage loan officer made 65k for"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7511494092979719454)  2025-06-02T23:13Z 56.8K followers, 127.4K engagements


"Thinking about going independent as a new Loan Officer Hold up. Youve got no leads. No pipeline. No confidence. No experience. And youre wondering why youre not making money and enjoying your career Heres the truth: Most new MLOs fail because they try to skip the fundamentals and chase high splits without volume. The smart move Work somewhere that gives you leads real borrowers and real reps. Thats not failure. Thats strategy. I did 100+ loans this way. Mastered objections. Learned guidelines. Built my own system on the side. And when it was time to go independent I was ready. If you need a"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7547000984904404255)  2025-09-06T15:38Z 56.7K followers, [----] engagements


"This is how Veterans can buy a $240000 property in Dallas with $0 out of pocket and turn it into both a home and a long-term income stream [--] Move-In Requirement: VA only requires you to live in the property for [--] months. After that you can move out and keep it as a rental. [--] Income Opportunity: While living there you can also rent rooms to fellow Vets even partner with nonprofits who pay upfront to house homeless Veterans. [--] The Numbers on this $240K home: Rate: 5.75% (5.85% APR) Taxes: $4986/yr Insurance: $2500/yr All-in estimated payment $2000/month [--] Zero Cash to Close: With seller"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7549619250915282207)  2025-09-13T16:58Z 56.7K followers, 10.8K engagements


"Most Veterans know the basic VA loan benefits What most do NOT know is this 👇🏽👇🏽👇🏽 VA loans can be used to buy mixed use properties with apartments and commercial space if structured correctly under VA handbook rules. Here are the [--] things that must happen: Veteran must live in the property Residential use must be primary Property must meet VA unit limits Appraisal must support residential highest and best use Lender must allow mixed use VA loans This is not a commercial loan. This is a VA strategy most lenders do not understand. If you are serious about using your VA benefits the right"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7597227629858639134)  2026-01-20T00:03Z 56.7K followers, [----] engagements


"🔥 VA LOAN HACK most Veterans are NOT using 🤯 This strategy allows eligible Veterans to buy a home AND pay off debt at the same time using the VA loan the right way. Instead of draining savings or struggling with high interest credit cards Veterans can leverage seller credits VA guidelines and smart structuring to reduce monthly obligations improve cash flow and still purchase with $0 down 💰🏡 Heres what most people dont understand 👇🏽 📌 The VA loan is not just about buying a house 📌 It can be used to strategically clean up debt 📌 This can improve DTI residual income and long term"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7598961230413417759)  2026-01-24T16:11Z 56.8K followers, 16.7K engagements


"🏠 The psychological cost of not being able to buy a home is real. Being locked out of homeownership doesnt just affect money. It affects stress confidence family stability and long term thinking. A credit score does not tell the full story. It doesnt explain medical debt divorce job loss or survival decisions. Most people dont know this VA and USDA loans do NOT have a minimum credit score requirement set by the government. Many are denied due to lender overlays not eligibility. Lower FICO scores often push families into unstable rentals where: Rent keeps rising Housing quality drops"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7599046100628147487)  2026-01-24T21:40Z 56.8K followers, [----] engagements


"🚨 VA Renovation Loan Now Available in multiple states The VA Renovation Loan lets eligible veterans buy or refinance a home and roll renovation costs into ONE VA loan with 0% down 🏡 Quick breakdown 👇🏽 ✅ Buy a fixer-upper or outdated home ✅ Combine purchase price + renovation costs ✅ 0% down with full VA entitlement ✅ No monthly mortgage insurance ✅ Renovations completed after closing with licensed contractors 🛠 Allowed renovations Cosmetic updates Roof HVAC plumbing electrical Kitchen and bathroom remodels Accessibility modifications ⚠ Key rules Max renovation budget $100000 No minimum"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7600192393245101343)  2026-01-27T23:48Z 57K followers, [----] engagements


"Many states offer full or major property tax exemptions for 100% disabled veterans which can drastically lower the monthly payment and make homeownership far more affordable. This is one of the most overlooked VA benefits and it changes the math completely. 👉🏽Apply for a VA loan using the link in my bio Licensed in TX GA FL CA and IL #FYP #MortgageTips POV: When a 100% disabled veteran asks me how much their property taxes will be POV: When a 100% disabled veteran asks me how much their property taxes will be"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7600986485965327647)  2026-01-30T03:09Z 56.9K followers, [----] engagements


"Buying the home you have been renting can be a blessing or a financial setback depending on how you handle it. Here are [--] critical tips if your landlord wants to sell the home to you. [--] Get pre approved before any verbal or written offers are made so you know exactly what you qualify for and what your payment will look like. [--] Do not skip inspections just because you live there. Inspections reveal hidden issues that could cost you thousands later. [--] Ask for seller credits to help cover closing costs. This protects your cash on hand and keeps your savings intact. [--] Use a real estate agent if"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7601230179075181854)  2026-01-30T18:55Z [--] followers, [----] engagements


"Happy 1st Birthday to my blessing with God. Time flies. I remember when my baby was just a little dumpling. And now shes taking steps saying Dada and filling my life with so much joy Children are a gift from the Lord; they are a reward from him. Psalms 127:3 NLT Happy Birthday to my Blessing ❤ Happy Birthday to my Blessing ❤"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7601375666658938125)  2026-01-31T04:20Z 56.8K followers, [---] engagements


"Most Veterans delay homeownership because of outdated information bad advice or fear around credit income or timing. [----] changes that if you understand how the VA loan actually works and how to use it strategically. Heres what every Veteran needs to know going into [----]  The VA home loan allows qualified Veterans to buy with 0% down There is no monthly PMI which can save hundreds per month VA loans allow flexible credit review when structured correctly You can buy single family or [--] to [--] unit properties Seller credits can be used to reduce cash needed at closing VA disability income is"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7601581292131585335)  2026-01-31T17:38Z [--] followers, [----] engagements


"Most Veterans are never told this 👇🏾 The VA loan is not a one time benefit. With remaining or restored entitlement plus Bonus Entitlement you can buy again even if you have used your VA loan before. This is how many Veterans move PCS or keep a VA home as a rental and still purchase another home with little to no money down 📊 Quick facts VA loans can be used multiple times You do not have to be a first time buyer Bonus Entitlement increases buying power Powerful wealth building strategy when used correctly 💪🏾 I broke this down step by step in my full YouTube video. Tap the link in my bio"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7602466804333710623)  2026-02-03T02:54Z [--] followers, [----] engagements


"Single people need to hear this 🏡 Too many people delay buying a home because they believe they have to wait until marriage. That mindset is quietly costing years of wealth building equity growth and financial stability. Here is the reality 👇 📈 Waiting does NOT protect you financially. It often delays appreciation and ownership opportunities. 💰 Buying a home while single can create a future wealth tool through rental income equity growth or leverage for your next property. 🔑 Entering marriage with an asset instead of just monthly bills creates a stronger financial foundation. 📊"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603415982090079519)  2026-02-05T16:17Z [--] followers, [---] engagements


"This is how veterans with challenged credit will win in [----] 💪🏾🏡 Too many veterans think a low credit score disqualifies them from homeownership and that belief is costing them years of wealth building. The truth is the VA loan was designed for real life situations not perfect credit profiles. Here is what actually matters in [----] 👇🏾 VA loans focus on overall risk not just a [--] digit score Many lenders allow approvals under [---] when the file is structured correctly Residual income and cash flow matter more than people realize Late payments can often be explained and approved with proper"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603594112800918815)  2026-02-06T03:48Z 57K followers, 10.9K engagements


"MLOs holla at me in the comments 💰 Realtors & Mortgage Loan Officers tell me about your best producing month. How many deals did you close & what was your commissions Realtors & Mortgage Loan Officers tell me about your best producing month. How many deals did you close & what was your commissions"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7603602831727185183)  2026-02-06T04:22Z [--] followers, [---] engagements


"Veterans & Active Duty Service Members Filed Bankruptcy and think homeownership is over ❌ That belief is wrong. Here is what most service members are never told 👇🏽 VA loans are more forgiving than most programs when it comes to bankruptcy Chapter [--] does NOT mean you are done forever Chapter [--] does NOT automatically disqualify you Waiting periods are often shorter than conventional loans Manual underwriting can open doors that banks say are closed What actually matters 🧠 Time since discharge or filing On time payment history AFTER bankruptcy Re established credit behavior Stable income"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7605072525336251678)  2026-02-10T03:25Z 57.1K followers, [----] engagements


"Replying to @TEXAS MANUFACTURED HOMES Veterans your VA loan can be used for a manufactured or mobile home 👇🏽 🏠 Must be permanently affixed to land 🧱 Built after June [--] [----] (HUD certified) 💰 $0 down + no PMI 📈 Flexible credit requirements Stop believing the myths you can own land and a manufactured home with your VA benefits Book a free call or text me at 945-398-4256 to learn how to qualify. #FYP #Military #mortgagetips POV: Youre telling a US veteran that they can use their VA Home Loan benefits to purchase a manufactured home with $0 down 💰🏠🏘 POV: Youre telling a US veteran that"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7567966060205444383)  2025-11-02T03:33Z 36.3K followers, [---] engagements


"Most people have no idea the VA loan can do this 👇🏾 Just helped another veteran buy a new home with: ✅ $0 out of pocket ✅ Interest rate bought down ✅ A credit card paid off at closing ✅ ALL their earnest money refunded back to them ✅ Zero PMI lifetime benefit 🏆 They literally walked into homeownership and walked out with less debt and more cash in hand. How this works: The market is shifting. Builders and sellers need strong buyers. And a VA buyer with a solid approval is one of the strongest positions in the market. A lot of people think VA buyers only get closing costs covered Wrong. ✅"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7568718638790774047)  2025-11-04T04:14Z 39.2K followers, [---] engagements


"Most banks still think VA buyers need a [---] credit score and its simply not true 👀 The VA doesnt set a minimum FICO What actually matters is: ✅ Strong residual income ✅ Stable employment and income history ✅ Clean recent payment history ✅ Verified extenuating circumstances for past credit issues ✅ Compensating factors like savings strong rental history or low DTI ✅ Willingness to rebuild and steward your finances well Navy Fed said no but God opened the right door and we got this veteran pre-approved 💪 Stop letting big banks decide your future A denial doesnt mean youre unqualified it means"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7569056645796384031)  2025-11-05T02:05Z 55.3K followers, [----] engagements


"Loan Officer vs Realtor heres the truth most buyers never get told 🏡💰 Realtors help you find and negotiate the home. Theyre your boots on the ground. They study neighborhoods write contracts and protect you through the offer and inspection process. Loan Officers like me help you qualify and strategize the financing. We analyze your credit income debt and benefits like VA or FHA to structure a mortgage that fits your goals not just the price tag. Together were two sides of the same coin. But if you start with the wrong one you risk delays denials or losing your dream home. 💡 Smart buyers"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7569772813641436447)  2025-11-07T00:24Z 54.6K followers, [----] engagements


"Most people dont realize this When you use your VA home loan the seller can actually pay off your debt at closing 😳💰 This Veteran in Dallas-Fort Worth closed with $0 closing costs got their full earnest money back and had enough seller credit to pay off credit cards. Thats the power of using your VA benefits the right way not just to buy a house but to build financial freedom. No lender fees No PMI No minimum FICO required Debt paid off with seller credits If youre a Veteran ready to buy in Texas or Georgia lets build a strategy that gets you approved and debt-free at the same time. 📞 Book"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7570098271608212767)  2025-11-07T21:27Z 49.2K followers, [----] engagements


"Most people dont realize their 401k already holds the down payment they need to buy a home. Youve been saving for years now its time to let that money work for you. Heres how it works 👇🏽 ✅ Most 401k plans let you borrow up to 50% of your vested balance (max $50000). ✅ The loan is repaid through automatic payroll deductions meaning youre literally paying yourself back with interest. ✅ Since its a loan (not a withdrawal) there are no taxes or early withdrawal penalties as long as you stay employed. ✅ Those funds can cover your down payment closing costs or even help pay off debt to qualify."  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7570447732125568286)  2025-11-08T20:04Z 43.6K followers, [----] engagements


"Church Cults Are Real and They Hurt People. Not every church that calls itself a church is healthy. Some ministries use control fear and shame to keep people loyal all in the name of spiritual authority. Thats not discipleship. Thats spiritual abuse. There are [--] types of people in this conversation: [--] Those who were truly manipulated violated or spiritually exploited by leadership. [--] And those who werent abused they just didnt want accountability or correction. When cult-like control goes unchecked people leave the church not because they hate God but because they were hurt in His name. And"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7571258695762398495)  2025-11-11T00:30Z 42.7K followers, [----] engagements


"Happy Veterans Day to all of my veterans & active duty service members out there 🚨 Veterans: Stop letting your credit score keep you from buying a home Im now offering VA Loans with NO minimum FICO score 💥 Heres what most lenders wont tell you: VA approvals arent just about credit. We look at your entire financial story: ✅ Extenuating circumstances like medical hardship divorce or deployment can be explained ✅ Residual income shows your real ability to afford a home not just a number on paper ✅ Compensating factors like steady employment savings or low debt strengthen your approval ✅"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7571558472534248734)  2025-11-11T19:54Z 55.6K followers, 28.4K engagements


"Most people stay stuck because they believe credit is complicated. It is not. It just requires order wisdom and consistency. Scripture reminds us that wisdom builds the house and understanding establishes it. The same is true for your finances. If you want better results steward what God has already placed in your hands. 🙏🏽📖 Here are three simple steps that can transform your credit when you apply them with discipline. [--]. Pay down your credit cards below twenty percent of the limit. High utilization is one of the biggest score killers. When you drive your balances down you show lenders"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7572018603273325854)  2025-11-13T01:39Z 53.3K followers, [----] engagements


"POV: Just approved a four hundred thousand VA loan and the builder covered twenty eight thousand in closing cost 💰🔥 Here is how this works for veterans 👇🏽 [--]. VA has no seller credit limit 💵 There is no four percent cap on seller credits for a home purchase. Sellers and builders can cover your entire closing cost package when structured correctly. [--]. This keeps your cash in the bank 🏦 You keep your savings instead of draining your account on fees and prepaid items. [--]. You still get zero down payment on a VA loan 🏡 Most veterans walk in with only the earnest money deposit and can even"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7572444796569128223)  2025-11-14T05:13Z 54K followers, [----] engagements


"Most buyers have no idea how much a good real estate agent can change their entire homebuying experience. A good agent wants you pre-approved so they can protect you and negotiate from a place of strength. A good agent teaches you guides you and advocates for you without pressuring you just to get a commission. And a good agent works with your lender so the deal closes smoothly instead of creating chaos behind the scenes. If youre buying with a VA loan or any loan program choose wisely. The right agent will save you money and peace of mind. 🏡 #FYP #RealEstateAgent #mortgagetips How to choose"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7573737977277353246)  2025-11-17T16:52Z 44.4K followers, [---] engagements


"Florida I am officially reactivated and ready to serve with excellence 🌴🔥 I work with more than two hundred lenders which gives you real options real flexibility and real strategies to get approved Here are the products I offer 👇🏽  VA home loans including VA loans with no minimum FICO score 🏡 Conventional loans 🧱 FHA loans 🌾 USDA loans 🎉 Down payment assistance when eligible 🏘 DSCR rental property loans 🏢 Commercial mortgages 💵 Rate and term refinances 💰 Cash out refinances 🔁 VA IRRRL streamline refinances 💸 VA cash out refinances 📊 Creative loan structures for complex files"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7573923441871572255)  2025-11-18T04:51Z 43.9K followers, [---] engagements


"PMI is not the enemy when you are using a conventional loan with strong credit. Too many buyers with high credit scores wait years trying to save a full [--] percent just to avoid PMI while home prices keep rising around them. That delay costs more than the PMI ever will. 📈🏡 PMI on a conventional loan is a small monthly cost that eventually falls off. But the equity you gain by owning sooner grows every month. High credit borrowers usually get very cheap PMI which makes putting [--] percent down a smart move. 💰🔥 This is NOT for FHA or USDA. This is specifically for conventional buyers with"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7574131680286493982)  2025-11-18T18:19Z 49.9K followers, [---] engagements


"If you are buying new construction in [----] you cannot afford to ignore builder incentives. Builders are offering serious money right now and most buyers leave it on the table. Let the builder pay the closing cost so you walk into your home with strength not stress. 💰🏡 Here is why this matters 💸 Builder incentives can cover most or all of your closing cost 🧾 They can buy down your interest rate and lower your payment 📉 They reduce how much cash you need upfront 🔑 You keep more money in your savings account 🪙 Stronger reserves make you a safer homeowner 🤝 Builders expect you to"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7574277921041321246)  2025-11-19T03:46Z 44.1K followers, [---] engagements


"⛰ Thinking about buying new construction but the builder keeps pushing that [--] [--] temporary buy down Stop for a second and look at the math. A [--] [--] buy down only lowers your rate for the first [--] months. After that your payment jumps right back up. Thats not real stability and it is not real savings. A permanent rate buy down gives you a locked in lower payment for the entire life of the loan. That means predictable numbers long term savings and protection when rates shift again. Wise buyers think beyond the first two years and choose what builds long term equity not short term comfort. If you"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7574590251411328286)  2025-11-19T23:59Z 46.7K followers, [---] engagements


"Just pre approved another Veteran with a [---] credit score 🔥 Most lenders would have denied this but here is how your VA loan actually works ✨ The VA does not have a minimum credit score requirement Any lender telling you that you need a [---] or [---] is using overlays. The VA handbook allows approval at lower scores as long as the file makes sense. 💰 Residual income matters more than the score If your monthly leftover income meets the VA standard for your family size and region you can still qualify. 📉 We can approve vets with recent credit challenges Late payments collections charge offs"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7574956144234482975)  2025-11-20T23:39Z 44.4K followers, [---] engagements


"A VA IRRRL is the simplest refinance a veteran can use to lower their rate and their payment. It requires no appraisal no income documents and closes fast. If your rate is above six percent this is one of the strongest ways to protect your finances and free up cash in this season. 💰 Here is what veterans can get right now: 🏡 Lower interest rate 📉 Lower monthly payment Skip payments until early [----] 📝 No appraisal required 🚫 No income documents needed ⚡ Faster closing process 💵 Real savings month after month 🎄 Extra space for holiday and new year expenses If you are in Texas Georgia"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7575348777393949983)  2025-11-22T01:02Z 48K followers, [---] engagements


"🔥 Just helped another 100% P&T Veteran buy a new home with $0 down AND got [--] credit cards paid off by the seller at closing 😎 Most buyers dont even know this is possible but when you understand the VA rules you stop leaving money on the table 💰 Heres how the 4% rule actually work 👇🏽 👉🏽 VA loan allows sellers to cover up to 4% of the purchase price in seller concessions but this is NOT the limit. 👉🏽Seller concessions can be used to: Pay off credit cards Pay off collections Pay off judgments Cover the VA funding fee Pay your property taxes Pay your insurance And MORE 🔥 This is why"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7576817946031328543)  2025-11-26T00:03Z 45.9K followers, [---] engagements


"The mortgage industry is full of crazy scenarios and you never know what youre gonna run across. #FYP #mortgagetips He was cheating on his wife so I had deny their mortgage application He was cheating on his wife so I had deny their mortgage application"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7577101606265638175)  2025-11-26T18:24Z 54.8K followers, 47.2K engagements


"Most Veterans dont realize how powerful it is when a builder pays off your credit cards at closing 🎖🏠🔥 This move doesnt just help you qualify. It resets your entire financial life. Heres why: 👉🏽 Your monthly debt drops instantly 👉🏽 Your credit score rebounds fast once balances hit zero 👉🏽 Your cash flow increases so youre not living tight 👉🏽 You walk into homeownership with margin instead of stress 👉🏽 You finally get breathing room to build a real plan for your money This is what happened to my Veteran today. Two credit cards wiped out by the builder. That is a financial reset"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7577264151433645343)  2025-11-27T04:55Z 55.7K followers, [----] engagements


"The truth is this industry is wide open right now. Most buyers are confused. Most loan officers are untrained. Most banks are pulling back. That means the harvest is huge for the people who prepare. Proverbs teaches that the lazy miss their season because they wait for perfect conditions instead of planting when the ground is ready. This is that season. Here is why [----] is the smartest year to enter 🔥 Rates will stabilize 🔥 Inventory will rise 🔥 Builders will offer aggressive incentives 🔥 Veterans and first time buyers will flood the market 🔥 New home construction will explode 🔥"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7577972663168109854)  2025-11-29T02:44Z 53.2K followers, [----] engagements


"In a market where homes are sitting longer sellers are motivated and that creates opportunity for Veterans who know how to move with strategy. When the seller covers your closing cost you keep your savings untouched fix your credit faster pay off debt and walk into your home with margin instead of stress. This is stewardship. This is how you build on solid ground. Here is why this matters 🔥 You keep your cash in the bank 🔥 You use seller power instead of your own 🔥 You position yourself like the head not the tail 🔥 You avoid draining your emergency fund 🔥 You take territory without"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579292486649122078)  2025-12-02T16:06Z 47.9K followers, [---] engagements


"Veterans: You can buy a home with a [---] credit score You heard that right. VA guidelines do not set a minimum credit score. Lenders do. That means you have more options than the internet and big box lenders are telling you 👀 🔥 In this rough economy that [---] to [---] credit score does not automatically disqualify you 🏡 With the right lender and strategy you can still buy a home 💳 We can use seller credits to help clean up debt and improve your monthly cash flow 📉 We can structure your approval around VA guidelines not fear and misinformation. 💥 Stop disqualifying yourself before a true VA"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579379006642965791)  2025-12-02T21:41Z [--] followers, [---] engagements


"Homeowners: You can lower your mortgage payment without refinancing Most people think a refi is the only solution. It is not. If you have a current Conventional loan or you are buying with Conventional 3% down or VA opting out of escrows can drop your monthly payment fast. 👇🏽 Ways to lower your payment [--] Current Conventional homeowners can request an escrow waiver if they have enough equity [--] Buyers using Conventional 3% down or VA can opt out of escrows upfront [--] Take control of your taxes and insurance so you pay on your own schedule [--] Use the savings to create more monthly breathing room"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579439218003315998)  2025-12-03T01:35Z 54.5K followers, [----] engagements


"Credit Hack that can raise your score by [--] to [---] points 💳🏦🔥 If your credit has been stuck this is the fastest way to move it. Most buyers do not need an expensive credit repair company. They need clean and accurate reporting. DisputeRX dot com pulls your full credit report scans for errors and creates custom dispute letters so you can remove inaccurate data that is dragging your score down. Clean data equals higher scores and better loan approval odds. If you want to buy in [----] and need a real plan tap the link in my profile and register for my Ultimate Homebuyer Webinar. #DisputeRX"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579508124281769247)  2025-12-03T06:02Z 55.5K followers, [----] engagements


"Veterans can use this VA Loan Hack to get your debt paid off when you buy a home 💰 Most Veterans never hear this because most lenders never teach it. When you buy a new home the seller can legally use incentives to pay off your debt at closing. This can increase your approval power lower your DTI and reset your financial life before you even move in. Your credit score often rises once those balances drop which positions you for a stronger interest rate. This is one of the smartest ways to step into homeownership with margin and peace instead of pressure. The VA benefit was designed to bless"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579519201476496670)  2025-12-03T06:45Z [--] followers, [---] engagements


"Most Veterans think they need perfect credit to buy a home. They do not. The VA loan has no official credit score requirement. If you were denied it was because that lender added extra rules that the VA never created. Here is what actually matters No VA credit score minimum Manual underwriting for lower scores Strong rent history can help Stable income and residual income matter more than the number Late payments do not automatically kill the loan If you served you can buy even with a low score. Stop letting banks talk you out of a benefit you earned. I am licensed in TX GA FL and CA and"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7579726123777477919)  2025-12-03T20:08Z 47.3K followers, [---] engagements


"I am officially offering home loans in Mexico and here are the exact requirements so you can see if you qualify. This is a great opportunity for buyers and investors who want to expand into the Mexico real estate market. 💳 Minimum [---] credit score 💰 Loan amounts from [------] to [-------] 🏘 Eligible properties include single family homes condos townhomes PUDs and one to four units 📄 Full or alternative documentation income allowed 🗂 Two years of tax returns required 🔒 Fixed rate fully amortizing loans 🏡 Purchases and refinances allowed  US Citizens or US Permanent Residents only 📉 Debt to"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7580049438748462367)  2025-12-04T17:03Z 54.6K followers, [----] engagements


"Most buyers dont realize the lending rules are different for manufactured homes which is why approvals get delayed or denied. When you understand the requirements upfront the process becomes much smoother. 👇🏽 What lenders must verify before approving you ✨ Home is classified as real property and permanently installed ✨ HUD tag and data plate are present ✨ Home was built after June [----] ✨ You own or are buying the land unless using a specialty program ✨ Foundation meets engineering standards ✨ Title is retired if required in your state ✨ Income credit DTI and job history meet guidelines ✨"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7580206659763571998)  2025-12-05T03:13Z 55.4K followers, 90.5K engagements


"If you are buying a home in [----] and want to use down payment assistance the FHA Downpayment Grant Program can remove the biggest barrier between you & homeownership. This is designed for buyers who have stable income but need real help covering the upfront FHA downpayment. Here is what lenders are looking for: Minimum FICO of [---] or higher Two years of income history You do not need to be on the same job for two years Max DTI is [-----] percent First time homebuyer is NOT required Non occupant cosignors are allowed to help qualify Property types this works for: Single family homes Two unit"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7580463162525273375)  2025-12-05T19:49Z 55.4K followers, 118K engagements


"Me portaba bien culero Me portaba bien culero Me portaba bien culero"  
[TikTok Link](https://www.tiktok.com/@benitolopezosorio0/video/7580586099291082015)  2025-12-06T03:45Z [--] followers, [---] engagements


"Yes you heard that correctly We are clear to close on a [---] Credit Score VA loan. & the builder covered almost 7% in seller credits 👀 Most people still believe the VA loan has a 4% cap on seller paid costs. Thats NOT accurate. The 4% cap ONLY applies to non allowable fees and concessions. It does NOT apply to standard closing costs rate buydowns or prepaid items. So when you work with someone who actually understands the VA handbook you can structure deals that save thousands and get buyers to the closing table with confidence. Realtors stop limiting your clients because of outdated info."  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7582775537030941982)  2025-12-12T01:21Z 49.3K followers, [----] engagements


"Here is the truth most people are never told 👇🏽 USDA loans are a $0 down payment program 💸 Yes zero down is allowed if the property is in an eligible rural or suburban area 📍 There is NO minimum FICO score set by USDA Approval is based on overall credit profile income stability and debt to income ratio Many buyers assume they need 620+ or 700+ to buy and delay homeownership for years 🚫 USDA also offers lower rates reduced mortgage insurance and flexible guidelines compared to many other programs 📉 This is why USDA is one of the most powerful options for first time homebuyers who feel"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7583431016920943903)  2025-12-13T19:45Z 50.1K followers, [---] engagements


"🚨 YES Veterans can buy a home WITHOUT a credit score 🏠 Heres what most first time homebuyers do NOT know. If you are a Veteran with NO traditional credit score the VA loan allows manual underwriting using real life payment history instead of FICO. That means things like on time rent utilities phone bills insurance and other verified payments can be used to approve you. If you are a First Time Homebuyer and do not know where to start Download my First Time Homebuyer Guide using the link in bio 📘🏠 It breaks down the entire process step by step so you can buy with confidence and avoid costly"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7584122924064312606)  2025-12-15T16:30Z 49.6K followers, [---] engagements


"You just helped a Veteran buy a home AND get [--] credit cards paid off at closing 🔥 Most buyers are told seller credits only cover closing costs. Thats incomplete information. When structured correctly seller credits can Cover closing costs Pay off high interest credit cards Lower monthly debt Improve DTI Make approvals possible that looked impossible This is not a loophole. Its understanding how loans actually work. I break these strategies down step by step inside my First Time Homebuyer Blueprint 📘 How seller credits really work How lenders calculate debt to income How to clean up debt"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7584264404028493069)  2025-12-16T01:39Z 50.1K followers, [---] engagements


"Fake pre approvals are about to ruin a lot of buyers in [----]. Thats why I created the First Time Homebuyer Blueprint. It shows you how to calculate your own DTI understand how lenders review income and debts break down down payment and closing costs read a Loan Estimate and know if a pre approval is actually real before you shop. This helps you avoid getting denied losing homes or wasting months with the wrong lender. Tap the link in my bio to get the Blueprint and prepare the right way. 🏡💰 #MortgageTips #firsttimehomebuyer #fyp Fake Pre-Approvals Are About To Ruin A Lot Of Buyers In 2026"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7585036436739476767)  2025-12-18T03:35Z 50.3K followers, [---] engagements


"Can a Veteran qualify for a $300k VA loan with $75k income YES. 💰 Income $75k W2 salary $1395 per month VA disability 💳 Monthly Debts $700 🏠 VA Mortgage Payment $2638 per month 43% DTI ✅ Why this works VA loans have no strict DTI cap 43% is well within VA guidelines VA disability income counts fully VA focuses on residual income $0 down and no PMI keep payments manageable ⚠ Disclaimer This is NOT a loan quote. Numbers are for educational purposes only. Consult a licensed loan officer for exact terms. Apply for a VA loan using link in my profile. Download my First Time Homebuyer Blueprint"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7586127961489820959)  2025-12-21T02:11Z 53.1K followers, [----] engagements


"You are active duty and just realized you can buy a duplex live in one unit rent the other unit or rooms to fellow soldiers and drastically reduce or even eliminate your housing cost 💰🏠 Here is what most service members do not know 👇🏽 Active duty members can use the VA loan to buy [--] to [--] units with $0 down no PMI and flexible credit guidelines. As long as you live in one unit the rental income from the others can help offset the mortgage. Many service members rent rooms to fellow soldiers and live nearly free while building equity. And this does not stop after one duty station 🔁 The VA"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7587230428080213279)  2025-12-24T01:29Z 50.6K followers, [---] engagements


"Its the slowest month of the year and I still closed $2.8M in loan volume. Meanwhile youre still overthinking getting your mortgage license 🤦🏽♂ Clarity beats hesitation every time. If you want a proven roadmap to get licensed get hired and start producing the MLO Success Guide is waiting. Link in bio 💼📈 #FYP #mortgagetips #mortgageloanofficer POV: You just closed 2.8M in loan volume this month & its the slowest month of the year. Meanwhile yall are still overthinking getting your mortgage license 🤦🏽♂ POV: You just closed 2.8M in loan volume this month & its the slowest month of the"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7588390637410454814)  2025-12-27T04:31Z 51.2K followers, [---] engagements


"This is what qualifying for a $300000 VA loan actually looks like 🏠 Most veterans think its about having perfect credit. Its not. What actually matters 👇🏽👇🏽 Stable income and job history Manageable monthly debts Strong residual income after bills Clean payment history over the last [--] months Proper VA entitlement and eligibility You do NOT need 👇🏽👇🏽 ❌ 20% down ❌ PMI ❌ 700+ credit score ❌ To be a first time buyer Looking ahead to [----] 📆 Veterans can still buy strategically by Preparing credit early in [----] Reducing revolving debt balances Using seller credits to lower cash to close"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7588964259078442271)  2025-12-28T17:37Z 51.4K followers, [---] engagements


"You just helped [--] Veterans close on brand new homes with [---] [---] and [---] credit scores Meanwhile big box lenders are denying VA loans every single day 😒😒 Here is the truth most Veterans are never told The VA loan has NO minimum credit score requirement written into the guidelines. Zero. None. Approval is based on the full financial picture not a single number on Experian 📊 What actually matters 👇🏽👇🏽 ✅ Stable income ✅ Reasonable DTI often around 50% is a solid starting point ✅ Strong rental history ✅ Compensating factors ✅ A lender who actually understands VA guidelines Yes Veterans can"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7589428659048566047)  2025-12-29T23:39Z 53.5K followers, [----] engagements


"558 credit score and still pre approved for $400k Thats the power of the VA loan when its structured correctly. VA loan benefits every Veteran should understand 👇🏽 $0 down payment 💰 No monthly PMI keeping payments lower 📉 More flexible credit guidelines than most loan programs Approval focuses on residual income not just credit score Seller credits can cover closing costs or help pay off debt Competitive interest rates for eligible Veterans Can be used for [--] to [--] unit properties to build long term wealth 🏠➡🏠 Low credit does not equal no options. It means you need the right plan. Access"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7591292084796099870)  2026-01-04T00:10Z 53.6K followers, [----] engagements


"Illinois is officially OPEN and I can now serve buyers across Chicago and the entire state 🙌🏽🏙 This means if you are a Veteran first time buyer investor or someone who thought homeownership was out of reach you now have real options. I help clients structure loans the right way not just to get approved but to win long term. What I can help you with in Illinois 👇🏽 🏡 VA Loans with $0 down 🌾 USDA Loans for eligible areas 🏠 Conventional Loans 🔑 FHA Loans 💸 Down Payment Assistance and Grant Programs 📊 Bank Statement Loans for self employed borrowers 🏦 HELOCs to access home equity 🏘"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7592742696998030622)  2026-01-07T21:59Z 53.6K followers, [---] engagements


"🚨 VA LOAN TRUTH BOMBS 🚨 There is NO MINIMUM FICO SCORE required by the VA ❌📉 If you were told you need a [---] [---] or [---] to use your VA loan that was a lender rule not a VA rule. Heres where veterans get burned 👇🏽👇🏽 ❌ USAA ❌ Navy Federal ❌ Veterans United These lenders use overlays and then blame the VA when they deny you. The VA didnt deny you. That lender did. Ive recently pre approved veterans with 500+ credit scores using VA manual underwriting ✅ That includes real approvals with strong residual income on time rent and clean recent credit behavior. ⚠ If you are a veteran and still"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7595422423135161631)  2026-01-15T03:18Z 54.6K followers, [---] engagements


"Here is what most Illinois Veterans do not realize and this is why timing matters 👇🏽👇🏽👇🏽 100% VA Disability in Illinois can mean $0 property taxes on your primary residence Federal student loans fully discharged VA home loan with 0% down No monthly PMI More buying power even with average credit 🏠 What this really does for you Lowers your monthly payment dramatically Improves approval odds because liabilities disappear Lets you qualify for more house without stretching yourself Positions you to build real stability instead of renting forever 📍 Illinois Veterans If you are rated 100% or"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7596162513796893983)  2026-01-17T03:10Z 55.2K followers, [----] engagements


"Most Veterans think the VA loan is only for single family homes. That is false. The VA loan allows eligible Veterans to buy 2-4 unit properties with zero down as long as they live in one of the units as their primary residence. Here are the basic requirements 👇🏽 🏠 You must occupy one unit full time 📄 You need a valid Certificate of Eligibility 💳 Credit matters but VA is flexible compared to other loans 💰 Rental income from the other units can help you qualify 🪖 This is for owner occupied only not investment only purchases This is how many Veterans reduce their housing cost or live"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7597149292146543903)  2026-01-19T18:59Z 55.5K followers, [----] engagements


"*Correction- The NMLS is the National Mortgage Licensing System. The real estate agent role gets way more press but the MLO role is better option for a lot of people. The MLO (Mortgage Loan Originator) role allows you to make the dream of homeownership become a reality for people. If you are good with people & numbers this may be a good career path for you This career path has allowed me to make [--] figures year after year & become a real estate investor. One of the only regrets I have about this industry is not getting in sooner. I recommend @mortgage_educators for course work and test"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7293207604380060970)  2023-10-23T17:30Z 56.3K followers, 138K engagements


"🚨 Think Down Payment Assistance is Free Money Think Again 🚨 Before you jump into DPA heres what they dont tell you: ❌ Higher mortgage rates (youll pay more over time) ❌ You have to pay the funds back (not as free as it sounds) ❌ PMI for the life of the loan (extra monthly cost you cant remove) ❌ Income limits (not everyone qualifies) 💡 A Better Alternative 💡 ✅ 100% financing through a portfolio loan at my credit union ✅ Lower interest rates than most DPA programs ✅ No income limits (more buyers qualify) ✅ No repayment required (keep your money) ✅ Flexibility to refinance or sell anytime"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7475465995465788703)  2025-02-25T21:06Z 56.2K followers, 16.5K engagements


"😂 😂😂Welcome to the glamorous life of a mortgage loan officer where youll spend your day explaining birthday money Venmo transfers for tacos and why grandma gave someone cash just because. This is the reality nobody warns you about: ✍🏽 Writing letters to explain deposits 🕵🏽♂ Investigating $11 Venmo transfers like its the FBI 📑 Tracking down receipts for random Zelle payments 🤷🏽♂ Answering what is this at least [--] times a day If youre thinking about becoming a loan officer or you just got licensed and dont know what you signed up for this is your wake-up call. But heres the good news:"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7528112380849556767)  2025-07-17T18:01Z 56.1K followers, 142.5K engagements


"I just funded almost 3M in loan volume this month. Heres the truth 👇🏽👇🏽👇🏽 The mortgage industry isnt just for sales sharks its for people who are hungry disciplined and willing to learn. You dont need years of experience. You need the right roadmap. The fastest way to go from thinking about it ➝ getting licensed hired and PAID is following proven steps not guessing. 🔥 Thats exactly why I created the MLO Success Guide. It shows you: ✅ How to get licensed the right way ✅ How to actually get hired (without begging realtors) ✅ How to get PAID faster so youre not broke waiting on"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7544548712614268190)  2025-08-31T01:02Z 56.2K followers, [----] engagements


"USDA is officially accepting new mortgage applications againwith $0 down and no minimum credit score 🤯 Heres the quick breakdown every first time buyer needs: 🌾 $0 down If the home is in a USDA approved area you can buy with no down payment. Huge win for buyers trying to keep their savings intact. 💳 No minimum credit score USDA allows approvals with alternative credit like rent utilities and insurance if your score is low or you have no score. 📈 Income limits apply You must fall under your countys USDA income cap based on household size. 📍 Location matters Many rural and suburban areas"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7582820387138948382)  2025-12-12T04:16Z 56.2K followers, [----] engagements


"Self Employed & Want to Buy a Home in [----] Read This First 🏡💼 If you are self employed and planning to buy a house next year your approval will be decided long before you ever apply. Lenders do not guess. They follow documented income and clean financial behavior. Here is what actually matters 👇🏽👇🏽 [--] Stop co mingling personal and business money When you mix funds underwriters cannot clearly verify income. Separate accounts show consistency stability and real cash flow which directly impacts how much home you can qualify for. [--] Do not write everything off on your tax returns Yes you want"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7589444854904573214)  2025-12-30T00:42Z 56K followers, [----] engagements


"Most people stay stuck with bad credit because they keep fighting the wrong battle. Your score is not your identity. It is simply data that can be corrected when you challenge inaccurate reporting. Here is how DisputeRX works and why it helps you rebuild your credit fast. 👉🏽 It audits your credit report line by line for errors and outdated information 👉🏽 It challenges every inaccurate late payment collection and charge off across the bureaus 👉🏽 It forces the bureaus to verify every negative account within the legal time limit 👉🏽 If the furnisher cannot verify it correctly the item"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7582099077932797214)  2025-12-10T05:37Z 57.1K followers, [----] engagements


"Stop waiting to get your Mortgage Loan Officer License and get it NOW Follow 📲@therealgregwestjr on Instagram Currently licensed to serve in: TX statewide Email me all loan inquiries at gwest@tmloan.com NMLS ID #1447959 #explore #explorepage #Mortgagetips #Mortgagelender #FYP Get your Mortgage Loan Officer License NOW (no degree required) Get your Mortgage Loan Officer License NOW (no degree required)"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7417165796578807070)  2024-09-21T18:31Z 56.8K followers, 116K engagements


"Passing your MLO test 1st time boils down to choosing the right educational platform based on your learning style. I recommend taking the practice test [---] times if necessary Its ok to go overboard. Whatever it takes to pass that test. Last but not least check out @MLO Study Buddy Follow 📲@therealgregwestjr on Instagram Currently licensed to serve in: TX statewide Email me all loan inquiries at gwest@tmloan.com NMLS ID #1447959 #explore #explorepage #Mortgagetips #Mortgagelender #FYP #creatorsearchinsights Pass your Mortgage Originator Test & Make [--] Figures Pass your Mortgage Originator Test"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7438089375096769823)  2024-11-17T03:45Z 56.8K followers, 30.9K engagements


"Making $135K as a couple 👫💵 Heres how smart buyers figure out what they can actually afford: ✅ $135K/year = about $11250/month gross income (before taxes) ✅ Conventional loan guidelines cap your total debts (house + loans + credit cards) at around 43%45% of your gross income ✅ That means your max total debt budget $5000/month ✅ Already have $1000/month in car loans That leaves you about $4000 for a house payment ✅ Minimal debts You could qualify for a $400K$450K home 🏡 comfortably ✅ Property taxes insurance and HOA dues are factored into that monthly number dont ignore them ✅ Conventional"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7497717365614906655)  2025-04-26T20:13Z 56.7K followers, 20.1K engagements


"Replying to @Anita_Isaura NO college degree NO problem. I just cleared $19000 this month from a desk. No open houses. No chasing leads. Just closings. Interest rates are about to DROP and the money wave is coming. Ride it or get rolled over. My MLO Success Guide gives you: ✅ How to get licensed ✅ How to get hired (even w/ no exp.) ✅ How to start getting paid FAST No fluff. Just the exact play I ran. Comment GUIDE or hit the link in bio to get started. #mortgageloanofficer #MLOlife #careerchange #highincome #workfromhomejobs #nocollegedegree #mortgageindustry #financecareers #wealthbuilding"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7499305465004789023)  2025-05-01T02:55Z 56.8K followers, 62.6K engagements


"POV: Many Licensed Mortgage Loan Officers dont even realize Youre ONE STEP AWAY from offering Commercial Real Estate Loans And nobodys telling you. Heres the breakdown: 🔑 What You Already Have as an MLO: ✅ Sales experience (you already know how to close) ✅ Loan structuring skills (DTI LTV credit income) ✅ Client trust (investors already come to you) ✅ Knowledge of DSCR / investor loans (which are basically commercial-lite) So Whats Missing ⛔ You think you need a commercial job ⛔ Youve never learned how to analyze a P&L NOI or Cap Rate ⛔ You dont know the lenders or the structure ⛔ Youre"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7499631823127858462)  2025-05-02T00:01Z 56.7K followers, 10.7K engagements


"🎯 Most new loan officers dont realize this Underwriting isnt your enemy. Its the final line of defense that protects you your client and the lender from risk. ✅ Their job is to make sure the file meets VA FHA or Conventional guidelines ✅ To confirm the borrower can actually afford the loan long-term ✅ To verify documentation and eliminate fraud or misrepresentation But heres the truth underwriters can make mistakes. Thats why great loan officers study guidelines for themselves instead of arguing blindly. Wisdom and understanding are your competitive edge in this business. 💡 💬 Drop your"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7571168807784336670)  2025-11-10T18:42Z 56.3K followers, [----] engagements


"The VA loan truly has no limit on seller credits which means you can structure your deal in a way that protects your cash clears debt and sets you up to win. 🎯 Items the [--] percent rule applies to Paying off your buyers HOA dues Paying off federal or state tax liens Providing gifts like a TV or furniture Paying prepaid taxes and insurance Paying the VA funding fee Paying debts or judgments on the buyers behalf Paying buyers collections where the seller is not responsible This is why I teach Veterans to structure their offers correctly. You can save thousands when you understand the rules. 💰"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7575211048660143390)  2025-11-21T16:08Z 56.6K followers, [----] engagements


"Builders will give you incentives but that doesnt mean youre getting the best interest rate 💰 Always shop your rate so you know youre not overpaying on your mortgage. The smartest buyers compare. The unprepared ones settle. Tap the link in my bio and select shop my rate so you can see what a real competitive offer looks like. #MortgageTips #mortgageadvice #fyp If youre buying new construction in 2026: Shop your Interest Rate 💰 If youre buying new construction in 2026: Shop your Interest Rate 💰"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7578060833473760543)  2025-11-29T08:27Z 56.7K followers, [----] engagements


"Veterans if youre buying a 2-4 unit multi-family property in [----] READ THIS 👀 [--] Establish the cash flow strategy first 💰🏘 Before you buy know exactly who you plan to rent to such as other veterans long term tenants or room by room so the income actually supports the mortgage and your lifestyle. [--] Choose a veteran friendly mortgage lender 🏦 Not all lenders understand VA multi unit rules projected rental income or residual income so the right lender can be the difference between approval and denial. [--] Prepare [--] months reserves if using projected rent 📊💵 Reserves prove to underwriting that"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7588659649344245022)  2025-12-27T21:55Z 56.4K followers, 13.3K engagements


"Heres the truth most Veterans are missing 👇🏽 If you are rated 100% permanent and total disabled federal student loans can be wiped out through Total and Permanent Disability discharge. No more monthly payments. No balance hanging over your head. Just freedom. The problem isnt eligibility. The problem is Veterans not applying. Too many Vets assume Its automatic Theyll get denied It sounds too good to be true Nobody ever told them Meanwhile theyre still paying loans they legally do not have to pay 💸 This matters even more if youre trying to buy a home 🏡 Removing student loans can lower your"  
[TikTok Link](https://www.tiktok.com/@gwestjr/video/7597631171060600094)  2026-01-21T02:09Z 56.7K followers, [----] engagements

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