[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.] #  @hermanhomeloans Herman A. Ramirez | Lender Herman A. Ramirez, a lender, is advising clients on mortgage options as interest rates decline. He suggests exploring refinancing options for those with high rates and considering down payment assistance programs, such as CalHFA's XXX% down assistance. Ramirez also recommends using equity to consolidate debt as rates drop. ### Engagements: XXXXX [#](/creator/tiktok::6849493044090848262/interactions)  - X Week XXXXXXX +3,598% - X Month XXXXXXX +120% - X Months XXXXXXX +6,727% - X Year XXXXXXX +146,426% ### Mentions: X [#](/creator/tiktok::6849493044090848262/posts_active)  - X Week XX no change - X Month XX +47% - X Months XX +311% - X Year XX +4,000% ### Followers: XXXXX [#](/creator/tiktok::6849493044090848262/followers)  - X Week XXXXX +16% - X Month XXXXX +25% - X Months XXXXX +54% ### CreatorRank: XXXXXXX [#](/creator/tiktok::6849493044090848262/influencer_rank)  ### Social Influence [#](/creator/tiktok::6849493044090848262/influence) --- **Social category influence** [finance](/list/finance) XXXXX% [stocks](/list/stocks) XXXX% **Social topic influence** [mortgage rate](/topic/mortgage-rate) 14.29%, [rates](/topic/rates) #579, [all the](/topic/all-the) 7.14%, [should be](/topic/should-be) 7.14%, [asap](/topic/asap) 7.14%, [debt](/topic/debt) 7.14%, [credit cards](/topic/credit-cards) 7.14%, [saving](/topic/saving) 7.14%, [housing market](/topic/housing-market) XXXX% ### Top Social Posts [#](/creator/tiktok::6849493044090848262/posts) --- Top posts by engagements in the last XX hours "This is XXX% real shit had me so mad sitting their patiently while she calculates the first X numbers of all the number available 🫣🤧 #verizon #sales #retaillife #retail" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7174660581297835307) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2022-12-08T06:27Z 2730 followers, 11.6K engagements "FHA AND VA Loans over XXXX% you should be considering refinancing ASAP📉🚨🚨🚨 - #refinance #fha #valoan #mortgage #mortgagetips" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7550354804522880269) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-09-15T16:33Z 2730 followers, 16.7K engagements "Mortgage rate update as of today September XX When are rates getting better for good 🫠 - Follow for more content 💯🏦 #mortgagetips #refinance #firsttimehomebuyer #interestrates #fha" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7553086237972712759) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-09-23T01:12Z 2730 followers, 58.4K engagements "If you currently have a rate over XXXXX% FHA or VA or a conventional rate above XXX% you should explore possible refinancing options. Also buyers on the fence this is your time to shine as rates are on the decline 📉🏡 - #refinance #mortgage #firsttimehomebuyer #fha #valoan" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7560802742931852558) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-13T20:16Z 2730 followers, 6232 engagements "Is it worth refinancing to save $5000 a year If this client stays here for an average of XX years would have saved $50000 🤯 - #conventional #refinance #mortgage #interestrates #mortgagetips" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7561186281892351246) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-14T21:05Z 2748 followers, 1668 engagements "Debt consolidation is about to be huge with interest rates dropping 🤯 - Just because your rates low does not mean that you should never refinance. Many people are in debt on 22-26% APR credit cards so using your equity to consolidate into one loan is life saving 🏡👇 - #refinacing #debtconsolidation #refinance #mortgage #interestrates" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7562357950153526542) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-18T00:51Z 2750 followers, XXX engagements "In preparation of refinancing have these documents in a zip file or PDF to quickly catch the rate decreases 👇 - Photo ID - Newest Mortgage Statement - Homeowners Insurnace ( Declaration page ) - W2s and paystubs - Bankstatements if coming out of pocket ✅ - #mortgagetips #refinance #fha #va #conventional" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7563361384117832974) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-20T17:45Z 2750 followers, 1195 engagements "10 year treasury this morning XXXX. As rates continue to fall expect more buyers to refinance or hit the housing market 🏡 - #firsttimehomebuyer #interestrates #refinance #mortgagetips #mortgage" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7563352017393962253) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-20T17:09Z 2753 followers, 526.8K engagements "Rates continuing to trend lower and lower even though a nationwide government shut down 📉 - Buyers or homeowners remember lower rates mean big savings for you 🏡✅ - #mortgagetips #refinance #conventional #firsttimehomebuyer #fha" [TikTok Link](https://www.tiktok.com/@hermanhomeloans/video/7564872875874716942) [@hermanhomeloans](/creator/tiktok/hermanhomeloans) 2025-10-24T19:30Z 2753 followers, XXX engagements
[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.]
@hermanhomeloans Herman A. Ramirez | Lender
Herman A. Ramirez, a lender, is advising clients on mortgage options as interest rates decline. He suggests exploring refinancing options for those with high rates and considering down payment assistance programs, such as CalHFA's XXX% down assistance. Ramirez also recommends using equity to consolidate debt as rates drop.
Engagements: XXXXX #
- X Week XXXXXXX +3,598%
- X Month XXXXXXX +120%
- X Months XXXXXXX +6,727%
- X Year XXXXXXX +146,426%
Mentions: X #
- X Week XX no change
- X Month XX +47%
- X Months XX +311%
- X Year XX +4,000%
Followers: XXXXX #
- X Week XXXXX +16%
- X Month XXXXX +25%
- X Months XXXXX +54%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance XXXXX% stocks XXXX%
Social topic influence mortgage rate 14.29%, rates #579, all the 7.14%, should be 7.14%, asap 7.14%, debt 7.14%, credit cards 7.14%, saving 7.14%, housing market XXXX%
Top Social Posts #
Top posts by engagements in the last XX hours
"This is XXX% real shit had me so mad sitting their patiently while she calculates the first X numbers of all the number available 🫣🤧 #verizon #sales #retaillife #retail"
TikTok Link @hermanhomeloans 2022-12-08T06:27Z 2730 followers, 11.6K engagements
"FHA AND VA Loans over XXXX% you should be considering refinancing ASAP📉🚨🚨🚨 - #refinance #fha #valoan #mortgage #mortgagetips"
TikTok Link @hermanhomeloans 2025-09-15T16:33Z 2730 followers, 16.7K engagements
"Mortgage rate update as of today September XX When are rates getting better for good 🫠 - Follow for more content 💯🏦 #mortgagetips #refinance #firsttimehomebuyer #interestrates #fha"
TikTok Link @hermanhomeloans 2025-09-23T01:12Z 2730 followers, 58.4K engagements
"If you currently have a rate over XXXXX% FHA or VA or a conventional rate above XXX% you should explore possible refinancing options. Also buyers on the fence this is your time to shine as rates are on the decline 📉🏡 - #refinance #mortgage #firsttimehomebuyer #fha #valoan"
TikTok Link @hermanhomeloans 2025-10-13T20:16Z 2730 followers, 6232 engagements
"Is it worth refinancing to save $5000 a year If this client stays here for an average of XX years would have saved $50000 🤯 - #conventional #refinance #mortgage #interestrates #mortgagetips"
TikTok Link @hermanhomeloans 2025-10-14T21:05Z 2748 followers, 1668 engagements
"Debt consolidation is about to be huge with interest rates dropping 🤯 - Just because your rates low does not mean that you should never refinance. Many people are in debt on 22-26% APR credit cards so using your equity to consolidate into one loan is life saving 🏡👇 - #refinacing #debtconsolidation #refinance #mortgage #interestrates"
TikTok Link @hermanhomeloans 2025-10-18T00:51Z 2750 followers, XXX engagements
"In preparation of refinancing have these documents in a zip file or PDF to quickly catch the rate decreases 👇 - Photo ID - Newest Mortgage Statement - Homeowners Insurnace ( Declaration page ) - W2s and paystubs - Bankstatements if coming out of pocket ✅ - #mortgagetips #refinance #fha #va #conventional"
TikTok Link @hermanhomeloans 2025-10-20T17:45Z 2750 followers, 1195 engagements
"10 year treasury this morning XXXX. As rates continue to fall expect more buyers to refinance or hit the housing market 🏡 - #firsttimehomebuyer #interestrates #refinance #mortgagetips #mortgage"
TikTok Link @hermanhomeloans 2025-10-20T17:09Z 2753 followers, 526.8K engagements
"Rates continuing to trend lower and lower even though a nationwide government shut down 📉 - Buyers or homeowners remember lower rates mean big savings for you 🏡✅ - #mortgagetips #refinance #conventional #firsttimehomebuyer #fha"
TikTok Link @hermanhomeloans 2025-10-24T19:30Z 2753 followers, XXX engagements