# ![@iamandrewrussell Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7075768917375271982.png) @iamandrewrussell IamAndrewRussell

IamAndrewRussell posts on TikTok about debt, money, insurance, if you the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/tiktok::7075768917375271982/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7075768917375271982/c:line/m:interactions.svg)

- [--] Week [------] -86%
- [--] Month [---------] -28%
- [--] Months [---------] -60%
- [--] Year [----------] -57%

### Mentions: [--] [#](/creator/tiktok::7075768917375271982/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7075768917375271982/c:line/m:posts_active.svg)

- [--] Week [--] no change
- [--] Month [--] no change
- [--] Months [---] -2.40%
- [--] Year [---] +136%

### Followers: [-------] [#](/creator/tiktok::7075768917375271982/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7075768917375271982/c:line/m:followers.svg)

- [--] Week [-------] -0.01%
- [--] Month [-------] +0.29%
- [--] Months [-------] +1.70%
- [--] Year [-------] +21%

### CreatorRank: [-------] [#](/creator/tiktok::7075768917375271982/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7075768917375271982/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [social networks](/list/social-networks)  [automotive brands](/list/automotive-brands)  [countries](/list/countries)  [luxury brands](/list/luxury-brands)  [celebrities](/list/celebrities)  [musicians](/list/musicians)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[debt](/topic/debt) #216, [money](/topic/money) #3859, [insurance](/topic/insurance) #791, [if you](/topic/if-you), [math](/topic/math) #2125, [can you](/topic/can-you), [bank](/topic/bank), [$600k](/topic/$600k), [$700k](/topic/$700k), [rates](/topic/rates)

**Top accounts mentioned or mentioned by**
[@daveramsey](/creator/undefined) [@matthew](/creator/undefined) [@jide](/creator/undefined) [@bjcalvillo](/creator/undefined) [@hardeep](/creator/undefined) [@abi](/creator/undefined) [@wayne](/creator/undefined) [@davidguetta](/creator/undefined) [@brian](/creator/undefined) [@edward](/creator/undefined) [@rickycarruth](/creator/undefined) [@darren](/creator/undefined) [@paige](/creator/undefined) [@daniel](/creator/undefined) [@teaching](/creator/undefined) [@brianscottcohen](/creator/undefined) [@the](/creator/undefined) [@grant](/creator/undefined) [@mortgagexashleymcp](/creator/undefined) [@not](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Can A NYPD Cop Afford To Buy A House In NYC #milliondollarslistings #milliondollarhomes #milliondollarproperties #milliondollarrealestate #realestateinvesting #loanofficer #loansigningagent #loanshark #loanofficersoftiktok #mortgageadvice #mortgagetips #mortalkombat #mortgagebroker #mortgagelender #mortgageprofessional #millionairessteps #millionairesclub #realestateagent #realestatetiktok #loantok #brokertok #investorhabits #investors #investortiktok #investortips #investorproperty #propertyinvesting #propertymanagement #propertybrothers #propertyinvestment #mortgagetime #cashflow"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7154109821946432814)  2022-10-13T21:20Z 134.6K followers, 208.9K engagements


"Comment below what you think of the April Job Report. #interestrates #unemplyementrates #marketreport #inthenews #mortgageupdate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7231274859051912491)  2023-05-09T19:59Z 130K followers, [---] engagements


"Save this video so you will know how to calculate PMI and stay up to date with the latest mortgage info. #mortgagebrokerage #pmi #calculate HOW TO CALCULATE PMI HOW TO CALCULATE PMI"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7237484640875892011)  2023-05-26T13:36Z 134.4K followers, [----] engagements


"Let us help you find the perfect mortgage for your dream home." #MortgageBroker #HomeBuyingTips #financialplanning Why choose a Mortgage Broker Why choose a Mortgage Broker"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7243868113756802347)  2023-06-12T18:28Z 134.4K followers, [---] engagements


"A bank statement loan is a type of loan that uses your bank statements to verify your income and creditworthiness. 💵 So yes it's a Non QM loan 💰 #Banking #Loans #Finance #bankstatementloan #selfemployed"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7257189977900027178)  2023-07-18T16:03Z 26.9K followers, [---] engagements


"What's your prediction Do you think interest rates are going to stay around the 7% mark or do you think they will finally fall #HomeLoanEducation #MortgageMarketTrends #InterestRateWatch #HomeLoanInsights #LoanRatesExplained #InterestRateUpdate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7266053230084361515)  2023-08-11T13:17Z 26.9K followers, [---] engagements


"Make sure that when you close on a home purchase that the mortgage company you are working with let's you know if a recast is doable. I'm curious have you ever heard of a recast before Comment below #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #occupancy #fhaloan #recast #refinance #homeinvestors Video Credit : Hardeep Rai @Hardeep Rai Mortgage & Solar"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7267957936729754922)  2023-08-16T16:28Z 109.6K followers, [---] engagements


"A profit and loss home loan is a type of mortgage that is based on the borrower's business's profit and loss statement. Meaning it compares how much money you made and how much money you spent over each month. To qualify for a profit and loss home loan borrowers must typically provide a copy of their business's profit and loss statement for the past two years. The lender will use this information to determine the borrower's ability to repay the loan. Profit and loss home loans can be a good option for borrowers who have difficulty qualifying for traditional loans. However it is important to"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7270506347022535978)  2023-08-23T13:18Z 134.5K followers, [----] engagements


"A float-down mortgage is a type of mortgage that allows the borrower to lock in an interest rate for a certain period of time but then have the option to float their rate down if market rates fall during that period. This gives borrowers the best of both worlds as they are protected against rate increases while also having the opportunity to save money if rates fall. #unlockinghomeequity #smartfinancialmoves #financialfreedom #rcgmortgage #financialadvice #mortgagebrokers #mortgageprocess #realestatemarket #newyorkmarket #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7272410549009288490)  2023-08-28T16:27Z 134K followers, [----] engagements


"Big Banks 🏢 ✅: Wide range of products potentially lower rates and nationwide presence. ❌: Stricter requirements less personalized service and longer processing times. Independent Mortgage Banks 🏦 ✅: Only specialize in mortgages quick process and may provide more personalized service. ❌: Limited to only one bank and the margin closing cost are shown to be higher at these companies than the competitors Credit Unions 🤝 ✅: Community membership focused with potentially lower rates and niche programs. ❌: Membership requirements possibly fewer mortgage products and limited locations. Mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7272736006133124395)  2023-08-29T13:30Z 134.4K followers, [----] engagements


"Comment below if you have thought about using your 401k to get a mortgage #mortgagerate #mortgagedenials #mortgagerates #realwealthwisdom #mortgagepaymenttips #financetips #mortgagetypes #mortgagebroker #401k #401kloan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7273112581563501870)  2023-08-30T13:51Z 26.9K followers, [----] engagements


"Replying to @Abi If you add things that will increase the equity then that will also help you get to the 20% so you can remove PMI"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7273220958943530282)  2023-08-30T20:52Z 121.9K followers, [----] engagements


"For just [--] cup of coffee a week you can save [--] full year off of your mortgage #mortgagehacks #finance #mortgagetips #interestrate #coffee #dollar #financialadvice #unlockinghomeequity #smartfinancialmoves #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7273871674670320938)  2023-09-01T14:57Z 26.9K followers, 757.9K engagements


"Back again with an FHA 203k video Pros: You can turn a fixer upper into your dream house with this loan. Cons: The rates are a little bit higher the closing cost are a little bit higher and it may take longer to close. #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #occupancy #fhaloan #mortgagerates #homeinvestors #fhaloan #fha203k #fha Video Credit : Wayne Turner @Wayne Turner"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7273941791110368555)  2023-09-01T19:29Z 26.9K followers, [----] engagements


"Still waiting for the invite @davidguetta . #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan #millionair Video Credit : Brian Decker @Brian Decker"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7275746493007531306)  2023-09-06T16:12Z 26.9K followers, [---] engagements


"Are there any negatives to the rates dropping Competition will increase overpriced houses will come back people will stat waiving contingencies. comment below your thoughts #mortgagedenials #homebuyers #lowerdownpayment #pmi #propertytaxes #homeprices #realestatemarket #newyorkmarket #zillow #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7280527692481580331)  2023-09-19T13:26Z 134.5K followers, [----] engagements


"This is both Edward and Andrew Verified ✅ Nothing like reacting to the OG reactor Glad to see we both love FHA loans #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan #millionair Video Credit : Edward Collins @Edward Collins"  
[TikTok Link](https://www.tiktok.com/@anyuser/video/7280606511758347563)  2023-09-19T18:31Z [--] followers, [---] engagements


"Mortgage Insurance is different from home insurance YES Mortgage insurance is implemented if banks feels like you are a risk and that you may default. Home Insurance is implemented in case something happens to the home. #rcgmortgage #maximizedownpayment #financialadvice #thorhammer #mortgagebrokers #mortgageprocess #calculateincome #homebuyers #pmi #mortgageinsurance #homeownersinsurance"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7282042921136721194)  2023-09-23T15:25Z 134.4K followers, [----] engagements


"With a DSCR Loan you can qualify for a 1-4 family house or condo using JUST the market rent This loan also allows the title of the property to be in an LLC which is amazing news for you Not to mention all the huge tax write off's including things like interest repairs depreciation and more #unlockinghomeequity #smartfinancialmoves #DSCR #realestateinvestor #taxwriteoff #investing #propertytaxes #homeprices #realestatemarket #newyorkmarket #zillow #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7283178679826517291)  2023-09-26T16:53Z 124K followers, [----] engagements


"Great video The good news is you can always refi and you will have an increase in equity #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Ricky Carruth @RickyCarruth"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7284233720171679019)  2023-09-29T13:07Z 26.9K followers, [----] engagements


"Great video and it's absolutely correct Also that grilled cheese looked killer 🍞🧀 #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Darren Mclellan @Darren McLellan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7284967394538458414)  2023-10-01T12:34Z 26.9K followers, [----] engagements


"Rather than doing the shopping for yourself call a Mortgage Broker and let them shop you loan for you Mortgage Brokers can use "Loan Sifter" which will auction off your loan to all of their lenders and then they can match you up with the best lender for you with the best service levels. #mortgagetips #homebuyerstips #mortgagerates #howtobuyahouse"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7285722779108838699)  2023-10-03T13:25Z 26.9K followers, [---] engagements


"Here's one loan program that every first time home buyer should know about🧠🚨 #smartfinancialmoves #mortgagebrokers #mortgageprocess #firsttimehomebuyer #homebuyers #realestatemarket #newyorkmarket #zillow #smarthomebuying #ratereduction #interestrate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7286089496460823850)  2023-10-04T13:08Z 108.1K followers, [----] engagements


"What do you prefer 3.5% down or 20% down #lowdownpayment #downpayment #fhaloan #conventionalloan #smarthomebuying #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7286466779671743790)  2023-10-05T13:33Z 26.9K followers, [---] engagements


"⚠FHA Loans implemented new guidelines ⚠ If you applied for a mortgage using an FHA loan and the underwriter rejected you. In the FHA notes you would have an MCR or a mortgage credit reject. In the past this could affect you being able to get another loan with another company. With this update having an MCR note will not AFFECT you #fhaborrow #fhaloan #creditreject #lowcreditscore #homebuyer #newhomebuyer #lowdownpayment #smartfinancialmove #finalcialadvise #mortgageloan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7286578894860193066)  2023-10-05T20:47Z 26.9K followers, [---] engagements


"Great video Just remember a lot of this will depend on where you live (suburban areas vs urban areas) and whether you're using an FHA or Conventional. #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Jorge Contreras"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7287224994256457002)  2023-10-07T14:35Z 26.9K followers, [---] engagements


"Great video Make sure you open your mail and pay attention to your taxes #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Matthew Garland @Matthew Garland"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7288001822030351662)  2023-10-09T16:49Z 26.9K followers, [----] engagements


"HELOC is the rage right now Here's what it is #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Paige Bowman @Paige Bowman"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7288440864832179502)  2023-10-10T21:13Z 26.9K followers, [----] engagements


"Here are [--] secrets to a successful mortgage application #mortgageadvice #mortgagehack #mortgagesecret #mortgageapplication #homebuyer #newhomebuyer #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7289054893288082731)  2023-10-12T12:55Z 103.8K followers, [---] engagements


"Another great video by Daniel and it totally makes sense. Comment below what your thoughts are on PMI👇 #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Daniel Iles @Daniel Iles"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7289432733653355822)  2023-10-13T13:22Z 103.8K followers, [----] engagements


"FHA Loans 🤝 RCG Mortgage #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Preston Seo @💸Teaching Financial Freedom💸"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7296480391316229406)  2023-11-01T13:10Z 103.8K followers, [----] engagements


"Here's a game-changing mortgage hack that can help you save big without the hassle. It's called a "flex term loan" and it's a real financial game-changer 💰🏡 #MortgageHacks #SmartSavings #RealEstateTips #FinancialFreedom #MortgageSolutions #Homeownership #RealEstateAdvice #SavingsGoals #MoneyMatters #SavingsStrategy"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7297693321600781598)  2023-11-04T19:37Z 129.8K followers, [----] engagements


"Interest only loans are tricky so make sure you reach out to a mortgage professional #mortgage #PersonalFinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Brian Cohen @brianscottcohen"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7299531776781864222)  2023-11-09T18:31Z 133.3K followers, 17.4K engagements


"The key word in this video is OVERLAYS Comment below if you learned something from this video.🤔 #overlays #mortgagetips #mortgagedenial #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7303916747797663006)  2023-11-21T14:07Z 112.1K followers, [----] engagements


"There's always money to be made but you just need to be smart with it. Comment below your thoughts on the market👇 #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit: Paul Carassone @The Property Boss"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7305172136551910686)  2023-11-24T23:19Z 123.9K followers, 21.8K engagements


"Wealth is in real estate and Grant Cardone knows best #mortgage #PersonalFinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Grant Cardone @Grant Cardone"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7312517363394448683)  2023-12-14T18:22Z 130K followers, 19.2K engagements


"Did you know that HALF of the pre-approvals given out a year have mistakes in them This is why pre-approval integrity is EVERYTHING. Make sure you are working with a mortgage broker that lives and dies by their pre-approvals #mortgageresponsibly #preapproval #integrity #newhomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7314134121125629227)  2023-12-19T02:56Z 112.1K followers, [----] engagements


"This is for everyone who is thinking of buying a home in the process of buying a home or is currently sitting at the closing table A note is credit obligation that goes on your credit report. A mortgage is the lean against the property. #mortgage #creditreport #closingday #homebuyer #newhomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7314704992378637611)  2023-12-20T15:51Z 123.9K followers, [---] engagements


"Seller Concessions are awesome but sometimes they are market driven. So it's very important to make sure you are working with a great mortgage professional and real estate agent so they can help negotiate that sellers concession. #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : Ashley McPoland @MortgagexAshleymcp"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7315476153823726878)  2023-12-22T17:43Z 134.2K followers, [----] engagements


"When should you pay points A tale as old as time. Make sure you mortgage responsibly and speak with a mortgage professional about your situation. They will help you to determine if paying points on your mortgage is right for you. #mortgage #mortgagepoints #lowerpayment #firsttimehomebuyer #newhomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7319625630780312875)  2024-01-02T22:06Z 121.9K followers, [----] engagements


"Have you heard about the Rehab FHA 203k loan Comment below "Rehab" for more information #FHA203k #FHA #Rehabloan #rennovation FHA203KRehabLoan FHA203KRehabLoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7322946588299742510)  2024-01-11T20:53Z 132.5K followers, 11.2K engagements


"Ever wondered about mortgage insurance Let's break it down: Why You Need It: If you put less than 20% down you're seen as higher risk. FHA vs. Conventional: FHA has mortgage insurance that's tough to shake off. Conventional loans require private mortgage insurance (PMI) for 20% down. PMI acts as a safety net ensuring lenders against potential losses. Understanding the game makes you mortgage-savvy 💡 #MortgageInsights #HomeBuyingTips #finance101 WhatTFisMortgageInsurance🤬🤬🤬 WhatTFisMortgageInsurance🤬🤬🤬"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7324750688775343402)  2024-01-16T17:34Z 85.2K followers, [----] engagements


"Maximizing Your FHA Loan for Rent Income 🏡💰 Wondering about using an FHA loan to boost your cash flow It's possible 2-4 Family Advantage: Own a multi-unit property You can collect rent from extra units while living there. Game-Changer: FHA now allows qualification for a one-family with an illegal rental Rent income on a single unitimagine that Ready to turn your home into a rental powerhouse 🚀 Let's talk FHA strategies #RealEstateInvesting #FHALoans #RentIncome"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7326318315733945642)  2024-01-20T22:57Z 112.1K followers, [----] engagements


"Navigating bankruptcy and its impact on mortgages Let's break it down Chapter [--] involves the government liquidating your debt while Chapter [--] sets up a payment plan over several years. Here's the exciting partafter the government assists in debt resolution you can still qualify for a government-backed mortgage like the FHA program No interest rate add-ons make it a phenomenal option. So even after overcoming financial challenges the path to homeownership remains open. 🌟 #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7328048983568436523)  2024-01-25T14:52Z 134.6K followers, [----] engagements


"Exciting news for some self-employed borrowers Dm me if you want to learn more about this program. #selfemployed #heloc #mortgage #greenscreen"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7331831366172282158)  2024-02-04T19:30Z 134K followers, [----] engagements


"Curious about how self-employed business owners manage to write off their income and still qualify for a home #HomeBuying #RealEstateTips #smallbusinessowner #entrepreneur #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7339300698032688430)  2024-02-24T22:35Z 134.4K followers, [----] engagements


"Using The Big Short to explain the [----] housing market crash. See the full video on my TikTok @iamandrewrussell #housingmarket #bonds #mortgage #housingcrash #realestate #thebigshort #bigshort The Big Short [----] Crash The Big Short [----] Crash"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7340426041388895534)  2024-02-27T23:22Z 131.4K followers, 146.2K engagements


"Let's break it down together Say you're eyeing a $350000 home with an FHA loan. With a 3.5% down payment that's $12250 upfront. But don't forget about the upfront mortgage insurance fee typically 1.75% of the loan amount. Add it in and your base loan amount becomes roughly $343660. Now factor in the ongoing mortgage insurance around 0.55% annually. For our example that's about $1575.13 per month. Remember this is a simplified overview. For personalized advice always consult with a mortgage professional. Stay tuned for more insights into the world of mortgages #RCGMortgage #HomeBuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7341907149674614058)  2024-03-02T23:09Z 134.5K followers, [----] engagements


"Great video about the mortgage interest rates When do you think rates are going to start coming down #housingmarket #mortgage #housingcrash #realestate Video Credit: Theoni Rapo @Not Your Daddys Will Interest Rates Drop in 2024🏡 Will Interest Rates Drop in 2024🏡"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7342577436749581610)  2024-03-04T18:31Z 134.5K followers, 11.1K engagements


"Would you pay $3500 in rent or buy a 500K house Comment below what you would do. #math #mathing #rent #mortgagepayment #realestate #mortgage #renters Why it is better to buy than have $3500 in rent Why it is better to buy than have $3500 in rent"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7345911912510655787)  2024-03-13T18:10Z 134.5K followers, 13.5K engagements


"Considering your options for a mortgage Let's break it down. With a $50000 down payment and a stellar credit score of [---] the possibilities are promising. Typically when you have a low down payment you'd lean towards an FHA loan. However with excellent credit opens doors to conventional mortgages. With down payments as low as 3% or 5% and your high credit score the PMI is notably lower. Always make sure you speak to your mortgage professional before making your final decision but a low down payment and high credit score may be a good fit for a conventional loan. #HomeBuying #MortgageOptions"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7353373946433097003)  2024-04-02T20:46Z 134.4K followers, 78.4K engagements


"Planning to Pass Down Your Home to Your Children Here's a Smart Strategy Consider a living trust. By making your children beneficiaries you can bypass probate and potentially save thousands in fees and future appreciation. For instance on a $700000 home that's around $56000 saved Curious to learn more Drop your questions below #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #fha Why you should put your home in a living trust Why you should put your home in a living trust"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7356305763117174058)  2024-04-10T18:23Z 111.4K followers, 16.3K engagements


"The truth about FHA loans and why homebuyers choose FHA loans over conventional loans. #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA The truth about FHA loans in America The truth about FHA loans in America"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7356687869764750635)  2024-04-11T19:06Z 129.6K followers, 28.6K engagements


"Planning to Buy a Home in [----] 🚀 Here are Three Must-Dos First [--] Know Your Max Mortgage [--] Save Upfront Costs [--] Soft Credit Pull Don't dive into 2024's real estate scene unprepared Watch until the end to learn more #HomeBuyingTips #PrepareToBuy #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7361111002902957358)  2024-04-23T17:10Z 110.5K followers, 253.9K engagements


"Thinking about refinancing Here are three solid reasons to consider it. [--] Lowering high-interest debt: Tackle those pesky credit cards and car loans. Even with a slight uptick in interest rates you could save big monthly [--] Investing in home improvements: Use some of that equity to enhance your space. It's a win-win for comfort and value. [--] Tax benefits: Starting a new fixed mortgage means the first few years are mostly interest which is a sweet tax deduction. But remember refinancing isn't always a slam dunk. If you're far along in your mortgage it might not be the right move. #SmartFinance"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7363333959499074862)  2024-04-29T16:56Z 134.4K followers, 20.4K engagements


"Thinking about your mortgage strategy Here are three nuggets of wisdom: [--] Maximize your equity for future investments. Instead of rushing to pay off a low-interest mortgage consider potential gains in the market. [--] Mortgage interest is a fantastic tax deduction making it a smart financial move. [--] Protect yourself from potential risks. High leverage on a property can leave you vulnerable in the event of legal issues. Keep these insights in mind as you navigate your mortgage decisions #MortgageWisdom #FinancialPlanning #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7366300350451600682)  2024-05-07T16:47Z 129.6K followers, 50.6K engagements


"Part 2: How much does a $700k house cost Looking to buy a home with an annual income of $120000 Heres what you might qualify for If you make about $10000 a month lets break it down using an FHA mortgage example. For a $500000 home at a 6% interest rate (7% APR) your max mortgage payment would be around $4700 per month. Heres the breakdown: about $3000 for principal and interest plus a little over $20000 for the down payment. Add $200 a month for mortgage insurance bringing the total to $3200. With taxes and insurance estimated at $1500 youre looking at a total of $4700 a month. So with an"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7371162826284617003)  2024-05-20T19:16Z 111.7K followers, 15.3K engagements


"Ready to buy a home Here are the top [--] things to consider: Debt-to-Income Ratio: Know your housing payment vs. pre-tax income and total debt vs. pre-tax income. Credit Score: It affects your mortgage options. Ask your lender for a soft pull to check your score without impacting it. Down Payment & Closing Costs: Save for both as they can add up. Consult a loan officer for accurate estimates. Who You Work With: Choose a loan officer from a mortgage broker company to get access to the best rates and options. I wrote a free home buyer's guide covering all the steps. Comment "buyers" below for"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7372618050471841070)  2024-05-24T17:23Z 124K followers, 13.1K engagements


"When you get money from a seller to go towards points it's actually called a seller concession. So if a seller agrees to a $500000 price but gives $10000 in concessions they effectively net $490000. This is important to understand especially in a seller's market where concessions might be tougher to negotiate. In this example there's a five-year break-even for the $10000 concession meaning a half a percent savings in the rate translates to about $200 a month. It would take [--] months to recoup that $10000. But with many expecting to refinance in the next 1-3 years does paying points make sense"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7374126789146283306)  2024-05-28T18:58Z 121.9K followers, [----] engagements


"Did you know In New York you can snag a $1 million dollar home with an FHA loan but not in Texas 🏡🌴 Why the difference It's all about FHA loan limits. 📈 These limits vary by location property type and annual adjustments affecting how much you can borrow. 💰 Before you dive in chat with your loan officer to see if you fit within the limits. Ready to make homeownership a reality Drop 'FHA24' below and let's get started #FHAloan #MortgageInsights #PropertyMarket #FHALoanLimits #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Limitstoyour FHALoan Limitstoyour FHALoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7374511917894815019)  2024-05-29T19:52Z 130.9K followers, 10.7K engagements


"How would you feel if your real estate agent was also your loan officer 🤔 Many companies now offer both real estate and mortgage services under one roof. But here's the thing: Jack of all trades master of none. When buying a home you need specialists. Each expert should stay in their lane ensuring you get the best service possible. Sure some real estate professionals might also know mortgages but from my experience it's rare to find someone who excels at both. Personally Id prefer a team of specialists rather than one person juggling everything. What about you 🤷♂ #HomeBuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7378533006300007726)  2024-06-09T15:56Z 108.4K followers, [----] engagements


"Thinking about generating some cash flow Lets dive into real estate Imagine buying an $800000 two-family house with a conventional loan. You'll need about $200000 down plus closing costs and a $600000 mortgage could mean monthly payments of around $4200 (including tax and insurance). Now if each unit rents for $3000 a month youre bringing in $6000more than enough to cover expenses and enjoy positive cash flow. Plus you get valuable tax write-offs on mortgage interest taxes insurance and depreciation. Real estate can help you achieve your goal of generating cash flow and owning an asset that"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7384146085654170923)  2024-06-24T18:58Z 97.3K followers, 10.4K engagements


"Hey there I'm Andrew. 👋 Are you looking to eliminate that $400/month PMI payment from your mortgage Here's how to do it: Understanding your Loan-to-Value (LTV) ratio is keymost lenders require it to be 78-80% or lower to remove PMI. If home values have risen in your area consider getting a new appraisal as this can help demonstrate your home's increased worth. Every lender has specific rules for PMI removal so it's essential to know their guidelines. Once you meet the criteria submit a written request to your lender. Stay proactive and follow up regularly to ensure the process moves forward"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7388989560077847854)  2024-07-07T20:13Z 132.5K followers, 558.2K engagements


"If youre in the mortgage industry and havent considered becoming a broker its time to look in the mirror 🪞 and ask why. 💬 The benefits of being a broker are clear: access to lower rates a broader range of products and the ability to provide unparalleled service to clients. These advantages not only enhance your professional offerings but also significantly improve client satisfaction and trust. And if youre a consumer or realtor partnering with a mortgage broker like myself is the key to your success. As a broker I am dedicated to finding the best financial solutions tailored to your unique"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7390477370597248302)  2024-07-11T20:26Z 110.7K followers, [----] engagements


"Had a fantastic consultation today with a client who reached out via social media 🏠💬 Heres a breakdown of our discussion: They're interested in purchasing a $500000 home and have saved up $100000 for the down payment leaving them with a $400000 mortgage. Their annual income stands at $100000 making this a straightforward scenario for eligibility evaluation. 💰 The estimated monthly mortgage payment comes to $2400 and factoring in taxes and insurance the total monthly housing expenses amount to approximately $3400. With a stable W-2 income of $100000 per year and manageable debt levels they"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7393434579928894763)  2024-07-19T19:42Z 132.5K followers, 13.8K engagements


"Considering tapping into your 401k to buy a home 🏡💰 Ive seen many people use their 401k for down payments or closing costs making their dream of homeownership a reality. Heres the lowdown: [--] You might be able to pull from your 401k tax-free up to a certain amount. [--] Some plans require you to pay it back. [--] Not all plans allow it so check the details of yours. While Im not a financial advisor as your mortgage expert I can guide you through the process. Want to explore if this is a smart move for you Drop me a message #HomeBuying #401k #RealEstateTips #UnlockYourFuture #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7397526410664906026)  2024-07-30T20:20Z 132.3K followers, [----] engagements


"So you want to dive into the world of mortgage loan officers Heres the scoop: your biggest challenges will be getting that phone to ring and knowing how to handle it when it does. Joining a solid team can make all the difference. With a squad that includes top-notch loan officer assistants stellar processing support and killer tech tools youll have everything you need to make it big. Plus youll get hands-on help with the mortgage process and tips to close those deals faster. But wait theres more Ive got a free community called "Help My Mortgage Business Sucks" with some of the best coaches in"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7402359974585797934)  2024-08-12T20:57Z 97.3K followers, [----] engagements


"Were creating an exclusive space designed for mortgage professionals who are eager to elevate their game and expand their network. In this community you'll find the support and insights needed to thrivewithout any pressure. Our platform is dedicated to fostering meaningful connections and providing actionable advice that can transform your business. Whether youre looking to refine your skills explore new strategies or collaborate with like-minded experts this is your opportunity to advance and succeed. Be part of a professional network thats committed to your growth. Swing by and experience"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7403765739447995690)  2024-08-16T15:52Z 103.8K followers, [----] engagements


"Pro tip: When it comes to refinancing dont limit yourself by working with just one bank. Why get stuck with their limited product suite and zero incentives Heres the movework with a mortgage broker. 🏦 As brokers we have access to all the lenders meaning more options for you especially in the refi market where incentives closing cost discounts and rate reductions are up for grabs. So when youre ready to refi make sure you're teaming up with a loan officer at a mortgage broker company to lock in the best deal possible. #RefinanceRight #BestRates #MortgageTips #HomeFinance #LoanOfficer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7408304371131223339)  2024-08-28T21:24Z 103.8K followers, [---] engagements


"Thinking of getting your mortgage through your bank 🏡💭 It might not be your best move. Just because your bank handles your money doesnt mean their mortgage rates are the best deal. Banks like Chase may offer you minimal interest on savings but that doesnt translate to great mortgage rates. Heres the scoop: Youve got four main options for your mortgage: [--] FDIC bank [--] Credit unions [--] Mortgage bankers and [--] Mortgage brokers. Banks and credit unions are limited to their products. On the other hand mortgage brokers have access to a wide range of lenders and can find you the best ratesat no extra"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7408668958074703150)  2024-08-29T20:59Z 103.8K followers, [----] engagements


"Thinking about buying a home Instead of asking how much you need to save lets flip the script Its all about what you can afford monthly. 💰 By reverse-engineering your budget we can determine the right mortgage size sale price and down payment for your situation. Whether youre looking to keep cash in the bank or put more down for a lower payment its all about finding the right balance. So would you rather be house-rich and cash-poor or house-poor and cash-rich The choice is yours 🤔💸 #HomeBuyingTips #MortgageAdvice #Budgeting #RealEstateStrategy #FinancialPlanning #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7410890249875770667)  2024-09-04T20:39Z 103.8K followers, [----] engagements


"Want to pay off your mortgage faster Heres a strategy using a Home Equity Line of Credit (HELOC): Deposit your entire paycheck into your HELOC to reduce your mortgage balance then pay your bills from the HELOC. Depending on your income you could pay off your mortgage in 3-12 years instead of [--] 💸 But heres a crucial tip: Avoid restarting your mortgage term when refinancing. If you've already paid down a few years consider refinancing to a 25- or 26-year term instead of a new 30-year one. There are hacks to save moneymake sure you know them 😉 #MortgageTips #HELOC #RefinanceSmart"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7411257418975431979)  2024-09-05T20:24Z 103.8K followers, 61.5K engagements


"So what if the Fed lowers interest rates in September Well heres the scoop: when the Fed decides to cut rates expect lower rates on mortgages car loans and personal loans over the next year. But its not all sunshine and rainbowssavers might see their high-yield accounts earning less. The idea behind this is to stimulate the economy by making borrowing cheaper and encouraging spending. 💸 Think of it like this: the Feds trying to give our wallets a little more bounce while making sure your savings aren't as stuffed. 💵 So whether you're looking to buy a home or just trying to keep your savings"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7412014747542981931)  2024-09-07T21:22Z 103.8K followers, [----] engagements


"Back in the day mortgage rates were in the 9s and 10s but things have changedespecially in the non-QM space. Today non-QM loans are mostly geared toward self-employed borrowers who may not show their full income on tax returns. Instead we get creative with bank statements or a P&L from your accountant to help you qualify. 📄 While there are a few programs for salaried employees non-QM loans are the perfect fit for self-employed individuals looking to secure financing without the traditional paperwork. #NonQMLoans #SelfEmployedBorrowers #CreativeFinancing #MortgageSolutions #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7416826573053070634)  2024-09-20T20:35Z 129.8K followers, [----] engagements


"When "Gregs Sexy Legs" meets homeownership 🔥 Worked with an influencer pulling in $15k/month and guess what Even with those legendary legs we made the numbers work for a $500k condo. With 20% down they're looking at a $3900 monthly all-in paymenttotally within reach So whether you're flexing on the 'gram or hustling behind the scenes homeownership is possible. Ready to make your move Lets talk and get you pre-approved 📩 #InfluencerMoves #SelfEmployedLoans #DreamCondo #RealEstateGoals #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much can you qualify for"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7423503779779071263)  2024-10-08T20:26Z 134.5K followers, 29.4K engagements


"Pro tip: Before you close on your mortgage ask your lender if they offer CEMA (Consolidation Extension Modification Agreement) This little-known option can save you thousands on mortgage taxes when you refinancebecause why pay twice 💸 Make sure youre set up to save on closing costs down the road #CEMA #SmartRefinance #SaveOnTaxes #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7434171264799083822)  2024-11-06T14:21Z 109.6K followers, [----] engagements


"Bringing in $15K a month as a hot yoga pro Youre already warmed up for a $750K home 🧘♂ With a 20% down payment your monthly balance lands around $5K covering it all. Time to take those focused flows and make them work for your dream home. Ready to own your space 🏠 #StretchingForSuccess #DreamHomeFlow #FinancialFlexibility #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much can you qualify for making $15k/month How much can you qualify for making $15k/month"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7437615423392140574)  2024-11-15T21:06Z 134.6K followers, [----] engagements


"Clocking in at $75 an hour [--] hours a week With a $150K income you're in prime position for a $700K home An FHA loan could bring that dream within reach keeping your monthly payments right where you want them. Ready to make those numbers work in your favor Lets turn that steady grind into your new address 🔑 #MortgageMoves #MortgageMath #HouseHunting #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much can you qualify for making $75/hour How much can you qualify for making $75/hour"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7438686805098089758)  2024-11-18T18:24Z 134.1K followers, [----] engagements


"With a solid credit score and minimal debt you might just have what it takes to make it happen. Call me the Willy Wonka of mortgagesbecause turning dreams into reality is the name of the game. 🍫🎟 But lets keep it real: its not just about qualifying. Its about finding a plan that works for you. A mortgage broker can help you break it down and keep your goals front and center. Think youre ready Comment "LOW" to see where you stand #GoldenTicketToHomeownership #WillyWonkaOfMortgages #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much do you need to qualify for a"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7442846220600577311)  2024-11-29T23:24Z 134.2K followers, 11.1K engagements


"Taxidermist by day homeowner by night 🦌🏡 Whether youre curating natures creatures or following another passion homeownership is possible with the right plan. But heres the real talk: qualifying for a loan doesnt automatically mean its the best fit. Thats why consulting with a mortgage broker is key. Theyll break down your options and make sure it works for your situation. Want to see whats possible Comment "LOW" and lets find out #UniqueCareers #MortgageBrokerSupport #RealEstateTips #MortgageOptions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much can you"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7445358422075215135)  2024-12-06T17:53Z 134.4K followers, 22.3K engagements


"Choosing the right loan officer is a BIG deal so lets talk about red flags to watch out for: 🚩 No Reviews No Go: Check Google reviews and social mediayour loan officer should have a reputation you can trust. 🚩 Choose a Broker Not a Banker: Brokers offer better options and more competitive rates compared to bankers. Dont limit yourself 🚩 Numbers Dont Lie: A good loan officer wont hesitate to provide a loan estimate in writing. Transparency is key. Dont get stuck with a dud. You deserve a loan officer whos transparent reliable and maybe even fun to work with. (Hi thats me) Reach out for a"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7449113183756782878)  2024-12-16T20:43Z 111.6K followers, [----] engagements


"🎅🎄 Santa's in Hauppauge and he's house hunting 🏡✨ Who knew Santa and Mrs. Claus were crypto traders pulling in $100K a month 🤯 They're ready to snag a second home on the water and were breaking down the numbers for a $1M property with a self-employed loan. Even Santa Claus knows the value of a solid mortgage plan Whether you're buying your first home or a second one for those waterfront vibes make sure you are speaking with a mortgage professional to guide you in the right direction. Just because the lenders can qualify you for it does not mean you can afford it. #SantaInRealEstate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7452393268924534046)  2024-12-25T16:52Z 111.6K followers, [---] engagements


"Pause right therezero credit scores arent a thing as @Jade Warshaw highlights. If youve never used credit its just no credit or NA. Heres the cool part: you can still buy a house with no credit history. Yup FHA and conventional loans make it possible through manual underwriting. Its all about proving youre financially reliablethink rental history utility bills car insurance and more. No credit No problem. Want to see how this could work for you Hit me up and lets talk options. 🏠📲 #MortgageFacts #NoCreditNoProblem #CreditScoreMyths #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7454303102133456159)  2024-12-30T20:23Z 124K followers, [----] engagements


"If youve been in your home for a decade or more youve likely built up serious equity. Whether its a refinance a HELOC or a second mortgage there are ways to tap into it for things that matterpaying off debt college tuition or investing in something meaningful. But heres the kicker: equity is like a safety net. Once you pull it you dont get it back. Treat it like the golden ticket it isuse it wisely. Got equity questions Lets talk through your options and make a plan that works for you. 💬 #HomeEquityHacks #EquityExplained #HomeEquity101 #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7456871420178468138)  2025-01-06T18:29Z 111.8K followers, [---] engagements


"Think being self-employed means youre stuck renting forever Nah not on my watch. 🏦 Bank Statement Loans We qualify you based on your deposits. 📊 P&L Loans Lets spotlight your profit & loss not your tax write-offs. You can write off your income and still qualify for a home loanespecially with a mortgage broker in your corner (that's me 🙋♂). Comment IRS and lets make it happen. #SelfEmployedSolutions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7457232978624662814)  2025-01-07T17:52Z 111.7K followers, [---] engagements


"Heres the thing: its not just about how much you pay but HOW you pay. Programs like biweekly payments can build momentum toward paying off your home fasterand who doesnt want that Even if weekly payments arent realistic tossing in extra payments when you can (like during tax season) is an easy win. Every little bit helps you keep more of your money instead of giving it to the bank. Lets talk about mortgage strategies that fit your lifestyle. Sound good 💬 #MortgageHacks #MortgageFreedom #BiWeeklyPayments #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Video Credit:"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7457983683388116254)  2025-01-09T18:25Z 111.8K followers, [----] engagements


"Why settle for high interest rates when youve got options Seriously if youre choosing better takeout than your mortgage deal its time to rethink the game. Heres how we flip the script: FHA loans let us shop rates across multiple lenders. Its fast easy and puts the power back in YOUR hands. Lets make smarter moves and leave the settling for [--] a.m. decisions. 😉 #FHALoans #BetterMortgageDeals You DONT need to settle for high interest rates You DONT need to settle for high interest rates"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7460592370074062111)  2025-01-16T19:08Z 111.7K followers, [---] engagements


"Refinancing can be a game-changerbut its all about timing. Are rates down Do you have big plans for your equity Thinking of staying put It could be a win. Planning to move sooner Maybe not. Or maybe its time to drop PMI for good. Whatever your reason refinancing at the right moment can unlock serious benefits. Lets talk about whether now is your time to make the move. #MortgageRefinance #RefinanceTips #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7462744684264181023)  2025-01-22T14:21Z 123.9K followers, [----] engagements


"Who knew bartending could lead to owning a $750K home With a bank statement loan $15K in deposits each month and a little strategy this bartender is living proof that your job title doesn't define your home-buying power. It's not about WHAT you write off-it's about WHO you work with. Want to see what you qualify for Reach out today #BankStatementLoans #BartenderToHomeowner #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7463597332672548142)  2025-01-24T21:30Z 111.7K followers, [----] engagements


"How do bank statement loans calculate income Glad you asked 🤔 Heres the deal: We calculate your income based on deposits not write-offs. $10K/month in revenue With a 50% expense factor thats $5K/month in income. If your expenses are low youre looking at even higher numbers. Tax returns say $1600 a month Bank statements say $5K-$9K. The difference Night and day. 🌃 🌅 If you're self-employed and want a real shot at homeownership comment IRS below and lets chat. #SelfEmployedMortgages #BankStatementSolutions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7465352235648568606)  2025-01-29T15:00Z 134.6K followers, [----] engagements


"Who says you cant have it all 🎨🛠 With a cash-out refinance you can pay off your current mortgage and pull out cash to upgrade that kitchen add the double shower or whatevers on your reno wish list. And the best part Well make sure the new payment still fits your budget. Time to level up your home. Lets talk equity. #EquityInAction #HomeReFi #RenovationGoals #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Use Your House To Get Money Use Your House To Get Money"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7467682445073157407)  2025-02-04T21:42Z 134.6K followers, [----] engagements


"If you're self-employed lets talk facts. Banks are stuck in the Stone Age. 🏦🪨 A Manhattan business owner making $5M in revenue was denied for her dream home because her $100K net income didnt fit the guidelines. Heres the kicker: they were looking at the wrong numbers. We flipped the script with a bank statement loanditched the tax returns used her deposits and got her approved for $200K/month in qualifying income. And guess what We closed in [--] weeks. Dont let outdated processes stand in your way. Lets make it happen. #BankStatementLoans #SelfEmployedMortgages #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7467993412059352350)  2025-02-05T17:49Z 112K followers, [---] engagements


"Running a diamond empire but getting denied for your dream home 💎🚫 This NYC entrepreneur was denied by big banks for their $5M dream home. Why Their tax returns only showed $50K. But the game changed when we switched to a bank statement loanusing $1M in monthly deposits to secure their approval. Lets focus on what you really bring to the table. Comment IRS to learn how we can make it work for YOU. #BankStatementLoans #NonQMSolutions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Why you should use your bank statements to get a loan Why you should use your bank"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7468682307033943327)  2025-02-07T14:22Z 134.1K followers, 23.3K engagements


"You literally direct planes for a living but youre stressing over a mortgage Bruh c'mon now. 🛫 With $150K a year zero debt and an FHA loan in play this homebuyer was way more qualified than he thought. Meanwhile there are people making half that out here owning homes left and right. If youre qualified and still renting you might as well just start paying your landlords mortgage in gift cards at this point. Lets stop that cycle and run the numbers. 📲 #GetPreApprovedOrStayGuessing #FHAApproved #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Can you buy a $500k house"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7471767271732497695)  2025-02-15T21:53Z 134.6K followers, 429.4K engagements


"Business is thriving. Revenue is rolling in. But your tax returns say youre broke. 🤔 Big banks dont understand self-employed financesthey look at your tax returns and freak out when they see all your write-offs. 🤯 Enter bank statement loans. 👉 We use your deposits (not your tax returns) to get you approved. 👉 Write off your expenses AND still qualify for that dream home. If youre self-employed and ready to stop hearing no comment IRS below and well show you how its done. #BankStatementLoans #SelfEmployedSolutions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7475360367938456863)  2025-02-25T14:16Z 112.1K followers, [----] engagements


"Banks sell you what THEY have. Brokers find you what YOU need. 🤝 A mortgage broker doesnt work for a single bankthey work for you. Instead of being locked into one set of rates and programs we shop around negotiate and get the best deal. Thats why buyers save an average of $10662 when they work with a broker. 💰 More loan options. Lower rates. Better deals. Tell me again why youd go straight to a big bank 🤔 #MortgageBrokerAdvantage #ShopForTheBestRate #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7475740643407514910)  2025-02-26T14:52Z 112.1K followers, [----] engagements


"Plastic surgeons fix faces but lets be realwe fix mortgages. This self-employed surgeon had $300K in revenue but banks saw his tax returns and denied him like a bad BBL. 🙄 We gave his loan a mortgage makeover. With a bank statement loan we showed his real income and now hes approved for a $1M homestress-free and tailored to fit. You wouldnt trust a bad surgeonso why trust a bad lender DM me and lets start your mortgage makeover. #BankStatementLoans #FlawlessFinancing #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA How much can I qualify for making $300K/ year How"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7476103785853570334)  2025-02-27T14:21Z 112.1K followers, [----] engagements


"A client came to me with a 7.5% mortgage rate (yikes). We ran the numbers and refinancing to 5.5% meant a $500/month savings. But heres the real questionis it worth it 😬📉 The break-even point [--] months. That means if they plan to stay in the home longer than [--] years its a no-brainer. If not maybe we should rethink the strategy. Moral of the story Know your numbers before you refi. If your rate is 6% or higher lets do the math and make sure youre making the right move. #MortgageTips #LowerYourRate #MortgageRefi #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7479791083174546719)  2025-03-09T12:50Z 131.5K followers, [----] engagements


"Before you jump into a refi heres how to know if its worth it: 🔹 Know your why Lower rate Shorter term Cash out If theres no real gain dont do it. 🔹 Understand the costs Depending on your state closing costs can eat into your equity. 🔹 Check your credit score A drop in score could mean a higher rate making the refi pointless. Moral of the story: not all refis are a slam dunk. If the math aint mathing dont do it. 🤷♂ Want to know if it makes sense for you Comment JOIN and Ill hook you up with my weekly mortgage insights. 📩 #MortgageRefinance #HomeEquity #WealthStrategy #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7480211642534350126)  2025-03-10T16:02Z 112.1K followers, [----] engagements


"The only thing worse than overpaying on your mortgage is thinking youre saving money when youre actually losing it. Refinancing can be a game-changer but only if the numbers make sense. 📉 Take an $800000 mortgage at 7.5%. Thats a $5600 monthly payment. If you refinance to 5.5% your payment drops to $4900 which sounds amazinguntil you factor in the $20000 in closing costs. If youre staying in the home long-term its a win. If youre moving in the next two years that refi is nothing more than a really expensive mistake. 😵💫💸 This is why working with someone who actually knows what theyre doing"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7480268641955564831)  2025-03-10T19:43Z 131.5K followers, 101K engagements


"If youre paying extra on your mortgage but still carrying credit card debt we need to talk. 🤦♂💳 I get itthe idea of being mortgage-free sounds amazing. But before you start throwing every spare dollar at your loan ask yourself: ✔ Are you paying off high-interest debt first ✔ Do you have emergency savings ✔ Are you investing for the future Because guess what If you ever need that cash back from your house youll have to borrow it backwith interest. The bank doesnt give refunds. Think big picture. DM me before you start overpaying on a loan thats already working in your favor."  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7481284315448446239)  2025-03-13T13:24Z 131.5K followers, 12.9K engagements


"Before you even think about doing a refi let me hit you with some hard truths. 📌 Its not free That lower monthly payment might come with closing costs that could buy you a small car. 🚗💨📌 Your credit score matters That [---] you had when you bought your home If its now a [---] your new rate wont be so pretty. 😬📌 The benefit has to be REAL If refinancing only saves you $50 a month but costs $20K to close yeah lets rethink that. 💸 Refinancing can be a power moveor a financial flop. Dont refinance just because rates are dropping. Refinance because it actually puts YOU in a better financial"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7481659302298570014)  2025-03-14T13:40Z 131.4K followers, 13.2K engagements


"Your lender told you 6.5% was the best they could do Yeah about that. 🤨 This client thought they were stuck with a 6.5% rate on their FHA loan. Enter: ✨ the mortgage broker advantage. ✨ We pulled up pricing from 100+ lenders and found a 5.75% rate with lender credits. So if your lenders rate feels off dont just take it. Shop it. You could be leaving thousands on the table. Lets make sure youre actually getting the best deal out there. 💰 #RateShopping101 #MortgageBrokerAdvantage #BestRatesOnly #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7481770806415166766)  2025-03-14T20:52Z 121.7K followers, [----] engagements


"Lets talk real numbersif youre making $185K a year you might qualify for a $600K home with just 3.5% down. But heres the catch If you dont run the numbers the right way you might be signing up for more house than your wallet can handle. That's where I come in. 🏠 Good news: FHA can get you into a $600K home with 3.5% down. 🏠 Better news: Your mortgage broker (aka me) will make sure youre getting the best rate. 🏠 Best news: You dont need to be a voice actor to make this deal sound good. 🎙😂 So before you fall in love with a listing DM me and lets get you pre-approved. #MortgageMath #FHALoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7482463756476255518)  2025-03-16T17:41Z 121.7K followers, [----] engagements


"When the Budget is Giving House Poor 😬🏡 Yikes. Fierro & Glenda got approved for an FHA loan on a $1M home and at first glance it seemed like a win. But after taxes insurance and that $9100/month mortgage theyre down to just $1900 left to live on. Factor in car payments bills groceries gym memberships and just being alive in NYC theyre already drowning before the first mortgage payment even hits. This is why affordability approval. But dont worry weve got a game plan in Part [--]. Stay tuned. #HousePoorIsReal #FHARealityCheck #MortgageTips #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7483526928553561375)  2025-03-19T14:26Z 121.7K followers, [----] engagements


"The banks looking at your tax returns be like: Sir it says here you only made $40K last year. 👀 And my client was like: Bro wdym I made $40K last month. 💀 Banks love to pretend tax write-offs dont exist but thats why we have Bank Statement Loans. We skip the tax returns and go straight to your deposits. That means: ✔ You get to keep your write-offs (your accountant deserves a raise) ✔ You get approved based on actual cash flow. ✔ You dont have to convince a bank youre not broke. So keep writing off that laptop that client lunch that (very necessary) business trip to the Bahamas. Well still"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7485376655083441439)  2025-03-24T14:05Z 121.9K followers, [----] engagements


"If you dont lock your mortgage rate youre basically gambling your money away. 🎰💰 Had a client who locked in just in time before rates jumped. The result Saved over $100K over the life of their loan. Had they waited a week it would have been a totally different story. The lesson The right time to lock is before the market makes the decision for you. DM me and lets get ahead of it. 🔒 #RateLock #TimingRateLocks #WhenToLockItIn #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7485777318917475615)  2025-03-25T15:59Z 132.8K followers, [----] engagements


"Ever feel like youre buying your house twice Because if youve got a $400K mortgage at 6% you are. One for you one for the bank. And spoiler alertyou dont get to keep both. 🤡🏦 But heres the real move: Make strategic payments round up when you can and go biweekly. These little tweaks shave years off your loan and keep more money in your pocket. The banks dont want you to know this but now you do. So whats the play #MortgageHacks #SaveOnInterest #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7486594698568551710)  2025-03-27T20:51Z 121.9K followers, 23.8K engagements


"Millionaires get denied for mortgages toobut not on my watch. 🤨 A guy pulling in a million dollars a month walked into a bank ready to buy a $5M waterfront home and they shut him down. Why They only looked at his tax returns saw a low net income thanks to write-offs and said nope. Thats where I stepped in. We ditched the tax returns and used [--] months of bank statements instead. Turns out when you actually count real cash flow he is more than qualified. We got him pre-approved in contract and closed in [--] days. Now hes waking up to ocean views. 🌊 If youre self-employed and keep running into"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7487964304931654942)  2025-03-31T13:26Z 121.9K followers, 11.1K engagements


"So he makes $120K a year and wants to buy a $1.25M home sounds like a long shot right Until he mentionsoh yeah I get a $100K bonus every year. 💵 BRO. You shouldve started with that. That bonus changed everything. Qualifying with bonus income is a real thing (as long as its consistent) and in this case It made all the difference. Dont sleep on your full income picture. If your lender isnt asking the right questions (or forgetting to count the money you're really making) you're working with the wrong team. 🤷♂ #MortgageStrategy #StrategicBuying #BuyingPowerUnlocked #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7488819374757874974)  2025-04-02T20:44Z 134.6K followers, 67.1K engagements


"Too often banks give people cookie-cutter options that just dont fit. 🍪 They like to push a one-size-fits-all solution that doesnt work for real-life situations. This client was making good money and was still getting denied but when you tailor a mortgage around your actual financial picture thats when the doors finally open. 🚪 Once we tackled the debt head-on homeownership was back on the table. The right mortgage should fit your life not force you to fit a box. Reach out today and let's flip the script. #MortgageStrategy #MortgageHelpThatWorks #MortgageSolutions #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7489190468333341983)  2025-04-03T20:44Z 121.9K followers, 26.4K engagements


"Its easy to get hyped when you qualify for a big number but lets slow down. 🚨💭 FHA says yes to that $1.2M home but when you break it down does it really make sense Youre looking at a $10K+ monthly payment and thats before life happens. If your mortgage eats up most of your income wheres the fun money Just because you can doesnt mean you shouldalways double-check if your dream home fits your budget AND your lifestyle. Think beyond the numberscan you afford to live in this home or just exist in it 🤷♂ #MortgageRealTalk #HomeLoans #AffordabilityCheck #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7489536760947543326)  2025-04-04T19:08Z 121.9K followers, 393.8K engagements


"When this couple told me they made it a goal to pay off all their debt before the wedding I knew they werent playing around. 💑🏡 With a combined income of $96K no debt and upper-700 credit scores we got strategic. An FHA loan with minimum down gave them the buying power they needed and the approval to match. And the best part They did it all before saying I do. 💍 Lets build a plan for your next move around your future. DM me and lets map it out. #CoupleGoals #OwnItTogether #DebtFreeAndReady #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7490304450679016734)  2025-04-06T20:47Z 123.8K followers, 250.4K engagements


"On the surface this deal looked like a slam dunk strong income excellent credit and no major debt in the way. But then he casually mentioned one small detail: a $2500 monthly payment on his financed Porsche. 🏎 That single car payment dropped his qualifying power and nearly knocked him out of the running. Luckily there were only a few payments left on the loan so we added the payoff into the closing funds and wiped it clean. Sometimes it's not about how much you make but how we structure what you have. If you're ready for a strategy that sees the full picture DM me and lets make it happen. 📲"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7491416994693041438)  2025-04-09T20:44Z 134.6K followers, 32.7K engagements


"Bro came to me after getting denied by a traditional lenderdespite having a cash-flowing rental property lined up. The bank wanted W-2s pay stubs tax returns. the works. 📄 On paper they said he couldnt afford ituntil I introduced him to a DSCR loan. We look at one thing: does the property cash flow In his case it did. The building brought in $7500 a month and the mortgage was $6400. We closed fast and now hes already looking for property #2. 🔑 The right property qualifies itself. If your lenders asking for everything but the kitchen sink DM me. Ill make it simple. #DSCRLoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7492139339162340638)  2025-04-11T19:27Z 123.8K followers, 90.8K engagements


"Were back for Day [--] of [--] Scenarios in [--] Days. 💥 Todays question: If you make $70/hour how much house can you actually afford Spoiler alert: just because a lender says yes to $500K doesnt mean its a smart move. If youre carrying average debt your actual affordability might drop to a $300K purchase. Were not here to max you out. Were here to show you the real numbers and make sure your mortgage doesnt leave you house poor. DM me if you want to run your numbers. Stay locked in Day [--] drops next. #30Scenarios30Days #AffordabilityMatters #BuyingPower #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7493605458868047135)  2025-04-15T18:17Z 133.5K followers, [----] engagements


"Heres the deal if you're self-employed lenders arent looking at your hustle. Theyre looking at the income AFTER expenses. 👀 That tax strategy you love Yeah it might just tank your pre-approval. This is why you need someone who knows how to read between the lines. Send me your numbers and Ill show you what youre working with. 🧠📲 #SelfEmployedHomeBuyer #MortgageRealityCheck #HomeBuyingStrategy #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7498776809450769694)  2025-04-29T16:44Z 134.4K followers, 19.3K engagements


"This TikTok exec is making $150/hr with zero debt and a [---] credit score but doesnt want to drop a massive down payment. Respect. 🫡 We ran the play: FHA loan. $42K down. $1.2M house. Game on. Just because you can flex doesnt mean you should. Also I did a TikTok dance mid-meeting. So if this mortgage thing doesnt work out Catch me on TikTok doing questionable choreography in a closing suit. 👀🕺 #HomeLoanStrategy #HighIncomeHomebuyer #LowDownHighValue #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7499203422135029023)  2025-04-30T20:19Z 124K followers, 30.2K engagements


"Just one extra payment can save you [--] years 😱💸 Yup Your mortgage company probably wont tell you this. But I will. And so did Rachel. And if your lender hasn't mentioned this yet theyre sleeping on one of the easiest mortgage hacks out there. One extra payment a year on your mortgage knocks off nearly [--] years of payments and saves you six figures in interest. Between biweekly payments or throwing in your tax refund once a year this is one of the simplest ways to crush your mortgage WITHOUT feeling it. Stacking equity saving interest owning your home sooner Thats the move. Lets beat the"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7499563530534915358)  2025-05-01T19:37Z 124K followers, 18.3K engagements


"Here are [--] truths first-time buyers NEED to hear in 2025: 🔹 Your partners credit will impact your rate. 🔹 Your mortgage payment isnt fixed forever. 🔹 Statement dates matter more than due dates. 🔹 You can get approved with less than [--] years on the job. 🔹 And if your down payment is sitting in checking youre losing money by the day. This is the stuff no one tells you until its too late. Comment savings and Ill send you my go-to high-yield accounts. 💰 #HomeBuying2025 #CreditScoreTips #MortgageTruths #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7501346403134754078)  2025-05-06T14:55Z 124K followers, 42K engagements


"Sure $117K/year might qualify you for the average home in America but is it actually affordable After taxes insurance and mortgage insurance that payment creeps close to $3500/month. 🧮 That might be within the approval range but comfort-wise Its a stretch for most families. Affordability and qualification are two totally different things dont confuse the two. Want clarity on what you can afford Lets run the numbers together. 📩 #HomeAffordability #MortgageBreakdown #HousingMarket2025 #IncomeVsAffordability #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7501794705039035678)  2025-05-07T19:55Z 124K followers, [----] engagements


"Just for fun we checked to see how much [--] cup of coffee a week could save you on your mortgage 👀 #mortgagehacks #finance #mortgagetips #interestrate #coffee #dollar #financialadvice #unlockinghomeequity #smartfinancialmoves #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7502162418680728862)  2025-05-08T19:41Z 129.5K followers, 328.1K engagements


"The math is here again to show you how much savings an extra $100 a month can get you on your mortgage #homebuyers #lowerdownpayment #pmi #propertytaxes #homeprices #realestatemarket #newyorkmarket #zillow #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7503648417973816606)  2025-05-12T19:48Z 132.8K followers, 12K engagements


"If you're not removing your PMI then what are you even doing #mortgage #personalfinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #occupancy #fhaloan #mortgagerates #homeinvestors #fhaloan #pmi #mortgageinsurance Video Credit : Shyanne Queen @Shyanne Queen Real Estate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7504014447678197022)  2025-05-13T19:28Z 134.5K followers, 188.7K engagements


"If youve been running into walls trying to buy an investment property because the banks want your tax returns W-2s bank statements and your grandmas maiden name. Youre asking the wrong banks. 📝👀 Buying an investment property doesnt need to feel like an FBI investigation. Theres a better way. Its called a DSCR loan. If the property's rent covers the mortgage (100 %+) you qualify. Thats it. Want to close under an LLC Done. Want to avoid personal DTI ratios Handled. Yes the rate might be slightly higher. Yes there may be a prepayment penalty. But when youre focused on cash flow this is the"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7506182728061144351)  2025-05-19T15:43Z 127.1K followers, [----] engagements


"Pay off your mortgage [--] years early with Bi-weekly payments #biweekly #mortgagepayments #mortgagebroker #unlockinghomeequity #smartfinancialmoves #financialfreedom #smarthomebuying"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7508067823562902815)  2025-05-24T17:38Z 134.4K followers, 154.2K engagements


"If you're still overpaying. this one's on you. 😬📉 If youve got an FHA VA or USDA loan and youve been paying on time the Streamline Refi is your backdoor to savings. And no this isnt your typical refinance. Think of it like upgrading your old iPhone except now your phone bill drops too. 📱💸 If youve made 6+ on-time payments youre likely eligible. What are you waiting for Comment 'REFI' and Ill text you the next steps. #StreamlineRefinance #MortgageTips #FHArefi #MortgageSavings #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7508457828378529055)  2025-05-25T18:51Z 127.1K followers, [----] engagements


"Great video that is amazing for tax savings Just make sure you hit that time period. #mortgage #PersonalFinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan #millionair Video Credit : Glennda Baker"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7509533804936138014)  2025-05-28T16:27Z 130.9K followers, 74.9K engagements


"Think a million-dollar triplex is out of reach Not if you know how to work the system. 🏘💰 This buyer used an FHA loan just 3.5% down. Moved into one unit. Rented the other two. Lived for (basically) free. Fast forward a year He rents all three and lets the property pay for itself. Equity builds. Rent rolls in. Now hes house hacking and stacking wealth. 📈 This isnt a loophole. Its just strategy. And yes you can do it more than once. If youre ready to stop renting and start investing you know what to do. #HouseHackingStrategy #RentalIncome #FHAHack #TriplexTactics #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7509898472150060318)  2025-05-29T16:01Z 130K followers, 29.8K engagements


"Yes you can qualify. Yes the math works. But what happens when the first bill hits and youre staring at your statement wondering why you thought $8 lattes were ever a good idea 😬☕ Approval is a number. Affordability is a feeling. And that gut feeling It matters. Lets make sure you love your home AND your budget. DM me today and let's run the numbers. #MortgageClarity #RealEstateTruths #BudgetBetter #MortgageMindset #HomeBuyingRealityCheck #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7511457563305692447)  2025-06-02T20:52Z 129.6K followers, 68.1K engagements


"Such great loans that your lender SHOULD tell you about. Spreading great knowledge David #mortgage #PersonalFinance #financetips #realwealthwisdom #mortgagepaymenttips #preapproval #fhaloan #mortgagerates #homeinvestors #fhaloan Video Credit : David Khadija @david.khadija"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7512829191700630815)  2025-06-06T13:34Z 133.8K followers, [----] engagements


"This client runs a successful business but their tax return looks like theyre barely getting by. 🫣 Why Because when you write off half your expenses lenders think youre broke. But heres the trick: we didnt use the tax return at all. We stopped them from trying to fit into the traditional loan box. 🙅♂ We used a bank statement loan to qualify them based on what actually hits their account not whats left after deductions. And just like that they went from denied to approved. If youre self-employed and getting turned away dont change your business. Change your loan strategy. Comment IRS and"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7513702546549083422)  2025-06-08T22:03Z 129.4K followers, [----] engagements


"Buying your first home Block out the noise and remember this: CIA. 🧐🤫 Most first-time buyers waste months chasing TikTok tricks and expert advice that doesnt move the needle. But after thousands of approvals (and probably just as many cans of Celsius) heres the truth it all comes down to three things: Credit. Income. Assets. Thats the whole playbook. No smoke and mirrors. No secret handshake. Forget the magic numbers and viral savings hacks. If youve got those [--] pillars in check youre in the game. Want the full breakdown with real examples DM me or comment BUYERS Ill send it right to you."  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7515170684880932127)  2025-06-12T21:00Z 129.4K followers, [----] engagements


"Welcome to the [----] struggleuntil you find a broker who knows the workaround. 🙋♂😉 This buyer came to me after getting denied. He had the income the down payment and the credit. What he didnt have A mortgage broker who understood [----] guidelines. We ran his numbers through a self-employed program gave him credit for his real income and got him pre-approved in the range he actually wanted. Big banks want boxes. I build custom plans. If youre ready to buy send me your [----]. Ill show you what you can actually qualify for. #1099Approved #HomeLoanStrategy #SelfEmployedMortgages #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7515504020253871390)  2025-06-13T18:34Z 134.6K followers, 18K engagements


"Just because you qualify for a home doesnt mean you can afford it. And if no ones walking you through that difference You could be setting yourself up for disaster. 🤐💸 This is why we dont just chase approvalswe build plans. Because a yes from the bank doesnt mean its the right move for you. Curious what your smartest price range is Hit me up and Ill run the numbers with you. #MortgageClarity #KnowYourNumbers #DontBeHousePoor #MortgageEducation #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7516147482955402527)  2025-06-15T12:11Z 132.9K followers, 125.3K engagements


"So you made a fortune selling soap and now you want a bathtub big enough to celebrate the legacy 🧼🏠 When your income doesnt come from a 9-to-5 the bank might scratch their heads but we dont. Brand deals royalties wild side hustleswe see the opportunity in your untraditional path. Thats why bank statement loans exist. You show consistent deposits we turn them into homeownershipsimple as that. You bring the bubbles Ill bring the mortgage. Lets turn your viral moment into a permanent address. And yeah Well even finance your Squatch Cave. 🛁😂 #BathwaterMoney #SelfEmployedHomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7516632458465447198)  2025-06-16T19:33Z 130K followers, [----] engagements


"You dont need to buy the prettiest house on the block. You need to buy the right one and make it beautiful. 🧱🛠 Thats the whole play with an FHA 203K renovation loan. Buy the "ugly duckling" fixer-upper roll in the cost of renovations and put down as little as 3.5% of the after-renovation value. Instead of saving for upgrades after you close this loan lets you finance the transformation upfront and walk into instant equity. This is the secret sauce to getting more home for less money. Its one of the smartest ways to buy in todays market. Thinking about a home that needs a little love DM me"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7516926820726476063)  2025-06-17T14:35Z 129.6K followers, [----] engagements


"Listen I love a good RRSP play and this ones actually smart. 🏦➡🏠 If youre a first-time homebuyer and youve got retirement savings (RRSP 401k 403b whatever) you can use them to fund your down payment without touching your checking account. Sometimes the money stays in the market. Sometimes its interest-free. Either way its YOUR money working twice as hard. Stop thinking the only way to buy a house is to empty your bank account. The game is about leverage not liquidation. Thats [----] energy. If you're ready to see if you qualify DM me today. Were playing smarter in [----]. #RRSPStrategy"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7517020509058501918)  2025-06-17T20:39Z 130K followers, [----] engagements


"Lets cut to it: DSCR loans are the cheat code to buying rentals under your LLC without your personal income getting in the way. 🔑🏘 Instead of you proving you can afford it the property proves it pays for itself. As long as the rent covers the mortgage Youre golden. No tax returns. No income hoops. No cap on how many you can buy. If youre serious about scaling this is how the pros do it. DM me today and let's create a strategy that gets you from buying one rental to owning the whole block. #LLCInvestments #DSCRPower #DSCRInvesting #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7517390568381484343)  2025-06-18T20:35Z 130K followers, [----] engagements


"Youre approved but can you actually afford the house 🧾🧐 This is the dangerous line most lenders dont warn you about. Banks use your gross income to calculate how much home you qualify for. However they dont consider taxes expenses or real-life situations. Thats why someone making $8K a month ends up house poor with barely $600 left over. We dont do that here. We focus on numbers that protect your lifestyle not just your loan file. Want to see what real affordability looks like Let's run your numbers. DM me today. #MortgageTruths #GrossVsNet #MortgageTruths #GrossVsNet #LoanApprovalReality"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7517659016399523102)  2025-06-19T13:57Z 130K followers, [----] engagements


"Kitty bought the house. The FED raised the rates. Now Kittys broke. 😿💸 This videos weird but the mortgage lesson is real. Thats what happens when you take an ARM (adjustable-rate mortgage) and the market shifts. If youre buying a house dont play guessing games with your payment. Want to avoid kitty chaos in your mortgage Go fixed or go home. #MortgageStrategy #FixedVsARM #KittyMortgage #HomeBuyingAdvice #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Video Credit: PhDKitty @phdkitty"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7517759195635059998)  2025-06-19T20:25Z 132.7K followers, [----] engagements


"Back in my day rates were 13% Cool story Grandpa. 🏠💸 Lets talk about what buyers are really up against today. In [----] your mortgage payment was under $500. Now Its pushing $2300+. And while rates are technically lower today prices are 9X higher incomes havent caught up and that gap Its why so many feel stuck. So no todays buyers arent being dramatic. Theyre being real. And if buying is in your plan waiting on rates might not be the move. Its not about timing the market its about making a smart one work for you. If you want a game plan built for [----] not [----] drop TEA in the comments."  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7518036127958175007)  2025-06-20T14:20Z 130K followers, 20K engagements


"Heres what most lenders miss: 1099s fall under self-employed guidelines. If you dont know how to calculate adjusted income the way lenders do youll get blindsided by a denial. 👎🚫 We ran the right income model factored in his write-offs and helped him land a price point that makes sense and gets approved because buying a home isnt just about saving up. Its about knowing where your money has the biggest impact. Self-employed Commission-based Independent contractor If you're curious to see what strategy fits your situation DM me and we'll talk through your options. #SelfEmployedLife"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7518122400056085790)  2025-06-20T19:54Z 134.6K followers, 221.7K engagements


"Youre right on the edge of affordability and your side hustle might be the thing that tips the scale. 💰⚖ Most people think lenders only care about your [--]. But when youve got consistent income coming in on the side That can absolutely strengthen your approval. I just worked with a buyer who was this close to qualifying. What sealed the deal His side income. The thing he almost didnt mention. This is why you need a loan strategy built around your real life not a generic online preapproval. Comment HUSTLE and Ill show you what a custom plan really looks like. #HomeBuyingGamePlan #SideHustle"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7519135639208561950)  2025-06-23T13:27Z 130K followers, 158.1K engagements


"If youre self-employed and getting denied its probably not you. Its your write-offs. 👀✍🏻 Lenders are using your tax returns against you and your CPA is out here doing too good of a job. Thats why we go off bank statements instead. What actually hits the account. What you actually take in. What actually matters. Ive helped dozens of entrepreneurs close with this strategy and if youre tired of being told no when you clearly have the income lets talk. Drop INCOME in the comments and lets fix it. #SelfEmployedBuyer #BankStatementLoans #BankStatementProgram #SelfEmployedSolutions #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7519542069275184439)  2025-06-24T15:44Z 130.8K followers, 16.7K engagements


"Owning a home but still feeling broke Thats a red flagand I hear it more often than youd think. 🏠🚩 Most banks will turn you away if you dont fit into their little credit box. But with the right team a cash-out refinance can give you access to tens of thousands in equityfast. 💵 Were not just talking about paying off debt (though thats a game-changer). Were talking home upgrades business capital and breathing room. Your house isnt just your homeits a financial tool. Time to use it wisely. DM me and I'll teach you how it works. #CashOutRefi #DebtFreeHomeowner #MortgageSolutions #EquityAccess"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7519995028073205006)  2025-06-25T21:02Z 130K followers, [----] engagements


"The tax man says you barely made anything last year but your bank account says otherwise Thats a self-employed classic. 📊🤷♂ If youre running your own business a conventional loan isnt built for you. But here's the good news: weve got two legit ways to qualify: bank statement loans that show your real income or a P&L strategy that evens out the chaos. No tax returns no W2s no nonsense. Drop IRS in the comments and Ill show you how we get business owners into homes every week. #SelfEmployedFinancing #NonQMLoans #BankStatementMortgage #MortgageWithoutW2s #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7520701395381570847)  2025-06-27T18:42Z 131.4K followers, [----] engagements


"Tired of lenders asking for every document under the sun just to buy an investment property 😵💫📑 DSCR loans flip the script. Were not qualifying you. Were qualifying the property. Thats rightno W-2s no tax returns no prove your income gymnastics. If the rent covers the mortgage youre in play. So if youve been banging your head against the wall with traditional banks its time to switch lanes. This is the investor loan made for real-world investors. Drop CARDONE in the comments and Ill show you exactly how it works. #DSCRLoan #InvestorLoans #RentalPropertyTips #RealEstateInvestor"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7520976185111760159)  2025-06-28T12:29Z 130.8K followers, [----] engagements


"Buyers in [----] have more power and the smartest ones are skipping price cuts and going for seller concessions. 🔑📊 Sellers are nervous. Homes are sitting longer. And nearly half are offering incentives to sweeten the deal. If youre negotiating forget chasing $15K off the priceuse it to lower your interest rate instead. Bigger savings smarter move. Lets talk strategy before you write that offer. #SellerConcessions #RateBuydown #BuyerPower #InterestRateHack #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Video Credit: Holliday & Co @hollidayandco"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7521755483452017951)  2025-06-30T14:53Z 130.9K followers, 13.9K engagements


"Heres the play: marry the house date the rate. 💍📉 Weve got a rare window where prices are more negotiable thanks to excess inventory and the moment rates drop that window slams shut. This isnt about market timing. Its about strategy. The buyers who win arent the ones who waittheyre the ones who act while everyone else hesitates. Because no one regrets buying low but they definitely regret missing their shot. #MortgageTips #MarketUpdate #RealEstateStrategy #InterestRateGame #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7522179252159073566)  2025-07-01T18:17Z 130.9K followers, 22.1K engagements


"Love at first showing heartbreak at first payment. ❤🩹💰 Heres your friendly reminder: the down payment is just the cover charge the real party is in the monthly. If youre only focused on getting in you might not be ready to stay in. A low entry point doesnt always mean long-term affordability. Youre not just buying a home. Youre buying [---] monthly payments. Choose wisely and run the full math before you fall for the curb appeal. #MonthlyPaymentReality #HomeBuyingHumor #RealLifeNumbers #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Video Credit: Isaiah Daniel Trejo"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7522882753965133087)  2025-07-03T15:47Z 130.9K followers, [----] engagements


"You want the $1M house Cool. But before you start singing Bruno Mars lets talk about what it takes to qualify. 🎤💰 Option A: Drop $200K (20% down) pay $6300/month. Option B: Go FHA with just $35K down pay $8100/month. Youre saving $165K upfront but itll cost you $1800 more each month. Thats the tradeoff. Moral of the story You dont need a million in the bank to buy the million-dollar home. Big purchases need clear math. And thats why smart buyers come to the table with a plan. #MillionDollarMortgage #FHAvsConventional #MortgageBreakdown #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7522930806789016863)  2025-07-03T18:54Z 134.3K followers, 17.1K engagements


"If paying $3000 a month in rent were a sport you'd have a gold medal. But try to buy a home with a $2500 mortgage Now youre a risk. 😵💫🏅 Yeah welcome to the wild world of mortgages where your consistency doesnt count unless it fits into a formula. Theyre not just checking if you can pay theyre checking if youll still be able to pay [--] years from now. Its not broken. Its just built differently. But the more you know the better you can play the game. #RentVsBuy #DTIExplained #HomeBuyingStrategy #RentingVsOwning #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA Video"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7524071962109381919)  2025-07-06T20:42Z 131.5K followers, 84.9K engagements


"Still renting because you think you cant buy right now 🛑 🤷♂ Lets clear this up: You dont need 20% down. You dont need perfect timing. And you definitely dont need to wait on rates to start building wealth. The ones buying right now are locking in a plan building equity and refinancing laterall while youre still paying someone elses mortgage. Want a game plan built around your situation DM me today. #MortgageMindset #RentingVsOwning #FirstTimeBuyerStrategy #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7524327544900848927)  2025-07-07T13:14Z 131.4K followers, [----] engagements


"CPAs are great at saving you on taxes. Not so great at helping you get preapproved. 😅📁 If youre running a business you cant play by W-2 rules. You need a loan program that speaks your language. Thats where bank statement loans come in. Forget the IRS write-offs. We look at the real money youre bringing in and use that to unlock your buying power. Its a game changer for entrepreneurs who are tired of being boxed in. If youre tired of getting stuck in the wrong lane lets take the smarter route. DM me today. #MortgageWithoutW2s #BankStatementStrategy #HomeBuyingPower #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7524428789137378591)  2025-07-07T19:46Z 131.4K followers, [----] engagements


"Buying the house is step one. Keeping your lifestyle after closing Thats where budgeting makes all the difference. 💸🔍 If you're not budgeting for maintenance property taxes utilities and a little bit of life fun (yes even that streaming bill) you're setting yourself up to feel broke in a brand new house. Good news You dont need to be perfect. You just need to be prepared with the right budget strategy. #HomeBuyingBudget #MortgagePlanning #HouseBudgetBreakdown #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7524742977701367070)  2025-07-08T16:06Z 131.5K followers, [----] engagements


"One move could put $70K in your bank accountwithout selling your home. Its called a cash-out refi. If your homes worth $400K and you owe $250K you could pull out up to 80% of the valuepay off the loan and keep the rest. Use it for renovations debt or something smart. Might even lower your monthly payment. Comment BUCKS and Ill show you your numbers. #CashOutRefi #HomeEquity #MortgageTips #Homeowners #DebtFreeJourney"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525073556716195103)  2025-07-09T13:28Z 132.3K followers, [----] engagements


"Is Dave Ramsey right about rental properties New data shows 86% of renters are paying on timeand most late payers bounce back fast. So no rent isnt guaranteed to cover your mortgage. But its also not the disaster some make it out to be. Screen your tenants. Set up auto-pay. Keep reserves. Thats how smart investors win. #RentalPropertyTips #RealEstateInvesting #SmartMoneyMoves #FirstTimeInvestor #LandlordLife"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525133182400761118)  2025-07-09T17:20Z 131.4K followers, [---] engagements


"Is Dave Ramsey right about rental properties New data shows 86% of renters are paying on timeand most late payers bounce back fast. So no rent isnt guaranteed to cover your mortgage. But its also not the disaster some make it out to be. Screen your tenants. Set up auto-pay. Keep reserves. Thats how smart investors win. #RentalPropertyTips #RealEstateInvesting #SmartMoneyMoves #FirstTimeInvestor #LandlordLife"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525444760400596254)  2025-07-10T13:29Z 132.5K followers, [----] engagements


"People see a $750K house and immediately think theyre priced out. But that number It means nothing until you run the math. 🧠💰 If youve got $150K to drop sureyour payments lower. But if youre working with 3.5% down youre still in the game. Your monthly might be higher but it gets you in the door. Two buyers. Same house. Two completely different strategies. The question isnt can you afford $750Kits which path makes more sense for you #HomeBuyingStrategy #KnowYourNumbers #MortgageBreakdown #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525445207014346015)  2025-07-10T13:31Z 131.5K followers, 10K engagements


"This is the part nobody talks aboutmaking good money doesnt guarantee youre ready to buy but it does open up the right playbook if you know where to look. 🎁💍 These buyers had $300K in income and only $20K in savings. With a minimal-down FHA loan and gift funds from family they were able to get into a million-dollar property they thought was out of reach. Dont get stuck thinking you need $200K in cash to get started. You need great credit a solid plan and the right person walking you through the options. And yeah sometimes that includes a little help from Dad. #FHAHomeLoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525503172434021662)  2025-07-10T17:15Z 131.5K followers, [----] engagements


"So youre buying a 4-unit in Miami And you want to use the rental income to help cover the mortgage 🏠🌴 Welcome to the world of DSCR loans where the property itself does most of the talking. It's the secret sauce behind a lot of investor portfolios. If the market rent covers the monthly mortgage Youre golden. Thats how investors scale even without showing tons of personal income on paper. This isnt fantasy math. This is how the smart money buys real estate in [----]. DM me today and let's run the numbers. #DSCRApproved #InvestorTips #DSCRLoanExplained #RentalIncomeStrategy #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525822863195032862)  2025-07-11T13:56Z 131.5K followers, [----] engagements


"No W-2s. No pay stubs. No explaining why you took a sabbatical to find yourself. 🧘😌 The DSCR loan is built for investors who want to buy real estate without showing personal income. The lender isnt interested in your job title they care if the rent covers the mortgage. Thats it. If the numbers add up on paper youre in. And yes you can buy under an LLC. Welcome to real estate investing the smart way with some serious leverage. #DSCRLoans #RealEstateInvesting #LLCBuyer #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7525868243609767198)  2025-07-11T16:52Z 132.8K followers, 10.3K engagements


"I dont want to lose my 3% mortgage rate. Totally fair. But what if that rate is keeping you stuck with $80000 in credit card debt and $4K in monthly minimums 😳💳 Heres the hard truth: Sometimes holding onto a low rate means holding onto a lot of stress. A smart refinance could wipe out your credit cards lower your overall monthly bills by thousands and even give you a little breathing room with cash in your pocket. Its not about the rate. Its about the full picture. And the smartest move Thats the one that gives you your life back. #DebtConsolidationStrategy #FinancialReset #RefiRealityCheck"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7526556063169137951)  2025-07-13T13:22Z 131.5K followers, 18.1K engagements


"This buyer is a freelance videographer making solid money. Booked out thriving and saving up for years. Still got denied. 🎬🙅♂ Why Because banks dont get creative income. Good thing we dont do basic. We used a bank statement loan no tax returns no explaining every dollar just a clean strategy that actually works for self-employed buyers. If you're done letting old-school banks gatekeep your homeownership dream DM me today and lets see what you qualify for. #BankStatementLoan #SelfEmployedBuyer #CreativeFinancing #CreativeIncome #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7527290906647514399)  2025-07-15T12:53Z 131.5K followers, 10.1K engagements


"Trumps new big beautiful bill could shake up the housing market and not everyones thrilled. 🏠🏗 If you live in a high-tax state like NY NJ or CA this bill might finally throw you a bone with higher deduction limits. Builders are also getting new tax breaks to create more affordable housing good news in markets where inventory is tight. For buyers and homeowners this could be a double-edged sword. What would this mean for your buying power Are we building opportunity. or building a bigger barrier to entry Thats why it pays to have someone who understands the full picture. Not just the"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7527362697902558494)  2025-07-15T17:32Z 132.3K followers, [----] engagements


"So are you telling me you're a guy in finance with a trust fund 6'5" and blue eyes 💙 Well heres the scoop: With $180K/year from your job and an extra $5K/month from the trust fund youre looking at a total annual income of $240K. With minimal debt you're in a prime position to qualify for a $1.25 million condo in Manhattan 🏙 Ready to make your move Lets chat. #ImLookingForAGuyInFinance #TrustFund #BlueEyes #FinanceLife #NYCRealEstate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7527771613987605790)  2025-07-16T19:58Z 131.5K followers, [----] engagements


"Heres the truth most lenders wont tell you: If your accountants doing a great job youll probably get denied for a mortgage. 😅🚫 Thats because conventional loans only see net income so all those write-offs make it look like you barely make a dime. Enter the bank statement loan. We qualify you based on your deposits not what you wrote off. Youve got income. Youve got savings. You just need someone who actually knows how to read it right. Comment "IRS" and Ill help you get approved on your terms. #SelfEmployedHomebuyer #BankStatementLoan #MortgageWithoutW2 #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7528057281292848439)  2025-07-17T14:27Z 131.5K followers, [----] engagements


"When youre building a portfolio what you show Uncle Sam isnt always what youre actually making. 🏠💰 Thats why traditional lenders struggle with real investors theyre stuck on paper not performance. But with a DSCR loan we skip the tax returns. We dont need your job history. We let the property qualify itself. If the rent covers the mortgage Youre good. Thats it. No W2. No tax returns. No explaining your life story to an underwriter. Just a smart loan built for serious investors. #InvestorLoans #DSCRLoan #RealEstateInvesting #InvestorLoans #DSCRLoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7528138013306604831)  2025-07-17T19:40Z 131.5K followers, 11.8K engagements


"You brought in $200K but showed $0 on taxesso two lenders hit you with a hard pass. 🚫💵 But your credit scores [---] your debt is nonexistent and your revenue is steady. Translation: it was never a money problemit was a lender problem. Bank statement loans flip the script for business owners like you. $500K home Done. Pre-approval Secured. Thats what happens when you stop using cookie-cutter loans for custom situations. Moral of the story You need a broker who gets the game. That's me. Send me a DM to see what you can qualify for. #BankStatementStrategy #MortgageForBusinessOwners #NonQMLoans"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7528411697363586318)  2025-07-18T13:23Z 132.3K followers, [----] engagements


"This ones gonna mess with your head if youve been sitting on the sidelines waiting for perfect timing. 📈😬 Everyones banking on lower interest ratesbut heres the catch: when rates drop prices spike. That means more competition higher offers and fewer deals. The data shows that the best return actually comes when rates are highbecause home prices are softer and the playing field is quieter. You buy when it feels uncomfortable refinance when the numbers shift and walk away with more equity on the table. This isnt about timing the headlines. Its about understanding the math and playing the long"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7528519673286053150)  2025-07-18T20:21Z 134.5K followers, 10.2K engagements


"Making $20K a month and still getting denied for a mortgage Yeah thats a real thing. 😬📊 Its not that you dont make enoughits that your tax returns dont show the whole picture. With a bank statement program we use your business deposits to calculate income not what you report to the IRS. That means you can go from declined to approved fast without changing how you run your business. If youve got strong cash flow and solid credit you deserve options that work for your situation. Lets get you out of your moms basement and into the home you actually deserve. #SelfEmployedLoans #MortgageGameplan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7529530071888022814)  2025-07-21T13:42Z 132.3K followers, [----] engagements


"You didnt fail the mortgage system. The mortgage system failed you. 🏠😩 If youre self-employed and got denied using tax returns its probably because your CPA did their job too well. Those write-offs protect you from taxes but they also make it look like you dont earn enough. Thats where the bank statement loan comes in. We use actual revenue not IRS fiction to show what you really qualify for. No W-2s. No tax returns. Let's get you into the home that you deserve. DM me today to run the numbers. #SelfEmployedStrategy #BankStatementProgram #MortgageWithoutW2s #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7529634586976963853)  2025-07-21T20:28Z 132.4K followers, [----] engagements


"That 3.5% mortgage rate is cute but not when you're paying $3K a month to credit cards. 😵💫💳 Lets be real. If we can refi your mortgage clear out all your high-interest debt and still drop your monthly bills by $1500+ thats not losing your rate. Thats winning the war. Oh and theres $60K cash waiting for you at the closing table. Just saying. #RefinanceRight #HomeEquityStrategy #EquityUnlocked #DebtFreeGamePlan #CashOutRefi #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7529899561309965598)  2025-07-22T13:36Z 132.5K followers, [----] engagements


"Late on your Target card because of a wellness retreat in Tulum 🧘🏽♀✨ Yeah thats not gonna fly with your credit scoreor your lender. This buyers credit dropped [--] points because of one $87 payment and she learned the hard way that Tulum vibes dont pay the bills. But heres the good news: if youve actually paid things down recently a rapid rescore might just save the day. You cant use it on everything but if your balances are paid and your timing is right we can help you fix your score quickly. Credit slip-ups happen. What matters is how you bounce back. #HomeLoanTips #CreditRepair"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7530008416232803614)  2025-07-22T20:38Z 132.3K followers, [----] engagements


"Want a bigger home but stuck with a luxury car payment Here's the math most people miss. 🔓🏎 That monthly car note is quietly crushing your homebuying power. However if you pay it offwhether upfront or by rolling it into a new loanyou could unlock serious buying power. This isnt about cutting corners. Its about shifting your monthly weight. Smart mortgage planning means looking at every angle of your finances not just whats in the bank. Your car might look good in the driveway but wouldnt it look better in front of a home you actually love #DebtToIncomeStrategy #HomeBuyingPower #DTIHacks"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7530342190225149214)  2025-07-23T18:14Z 132.3K followers, [---] engagements


"Sure throwing extra money at your principal can shave years off your loan But before you do that ask yourself: Is that money better off working for you elsewhere If your interest rate is low and youve got solid market options you might grow your money faster than you save on interest. And thats the kind of thinking your lender wont tell you. Always run the numbers. Know your rate. And make decisions based on your whole financial picture not just what a TikTok tells you. 🎥📊 #PayDownOrInvest #RealEstateAdvice #MoneyMindset #MortgageStrategy #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7530784890246253854)  2025-07-24T22:51Z 132.8K followers, 14.8K engagements


"The strategy Solid. Leverage debt collect rent build equity refi repeat. The problem These numbers belong in a simulation. 🧮😅 A $600 mortgage payment on $120K Youre either in [----] or dreaming. And sure you can roll equity into another property but youve got to factor in todays rates fees loan types and real-world rent values. This isnt get rich quick. Its get rich correctly. Want help figuring out how to actually run this play in your market DM me and lets make sure the math works. #RealEstateInvesting #CashOutRefi #DSCRLoans #NonQMStrategy #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7532236865940819231)  2025-07-28T20:46Z 132.6K followers, [----] engagements


"Just because the bank says you can qualify for an $800K home doesnt mean you should start celebrating with champagne and Zillow tabs. 🥂💻 If you and your spouse make $190K yes you might qualify on paper. But lets not forget that qualify doesnt include your car payments daycare costs weekend DoorDash habit or your future sanity. This is why I always say: dont shop based on approval shop based on reality. If you want help finding that sweet spot the one that wont wreck your wallet or your weekends Im just a DM away. #FHAReality #MortgageNumbers #QualifyVsAfford #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7532953483079716126)  2025-07-30T19:07Z 132.9K followers, 10.5K engagements


"You made $200K in your first year of self-employment Love that for you. But the underwriters asking a different question: what did Uncle Sam see 🧾🔍 If you dont have two years of returns youre going to need more than just a strong year. A similar W-2 job in [----] That helps. If not its time to talk about P&L programs or bank statement loans. Because lets be honest most self-employed folks write off everything from gas to their dogs birthday party. And that $200K income suddenly looks like $60K to the underwriter. 🐶🥳 Want to find out what you actually qualify for and how to structure it"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7533351094802566431)  2025-07-31T20:49Z 132.8K followers, [----] engagements


"Greg didnt want to overpay for the pretty house so he bought the clunker next door and made it his own. 🧱🔧 Heres what most buyers miss: with an FHA 203K renovation loan you can roll the purchase AND renovation into one mortgageno separate loans no credit card juggling no begging your cousin with a pickup truck to help demo your kitchen. The bank finances based on the after-repair value not what the place looks like right now. So if you're not afraid of a little sweat equity this is how you win in a competitive market. #FHA203K #203KExplained #HomeRenovationLoan #FixerUpperFunding #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7533684904068910367)  2025-08-01T18:25Z 132.8K followers, [----] engagements


"Buy a house for $100K. Put in $40K. Refi it for $140K. Walk away with tax-free cash. Sounds amazing right Just one problem where are you finding that $100K house Asking for literally every buyer in [----]. 😂💀 The strategy isnt wrong forced appreciation and cash-out refis can absolutely build wealth. But youve gotta work with real numbers not wishful TikTok math. Want help running your actual numbers instead of fantasy comps Ive got you. Shoot me a DM. #RealEstateStrategy #CashOutRefi #InvestmentStrategy #MortgageMath #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7534374146575273246)  2025-08-03T15:00Z 132.8K followers, [----] engagements


"We had a full menu of mortgage chaos today: 🥇 Lawsuit funds that dont exist yet. 🥈 Tesla money that hasnt hit the bank. 🥉 A guy who wants us to delete a bankruptcy off his credit report. Listen you can use lawsuit money or car sale funds but they have to be seasoned and documented. And bankruptcies We dont hit delete. We hit guidelines. The key isnt having perfect credit or piles of cash. Its knowing how to move through the process without slipping on technicalities. Want to make sure your deal doesnt hit one of these roadblocks Hit my DMs and Ill keep you ahead of it. #MortgageStrategy"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7534886445153144095)  2025-08-05T00:08Z 132.7K followers, [----] engagements


"NYU did the math so you dont have to: buying now and holding usually beats waiting for the unicorn deal. 🔮🦄 Someone buys today. Someone else waits [--] years for the perfect market. Guess whos usually better off Spoiler: its not the one still waiting for rates to hit 2% and the stars to align. Because heres the truth: trying to time the market is like waiting for gas prices to drop before you fill your tank. Sure you can wait but youre not going anywhere. Not sure where you stand Lets break it down like adults. No crystal ball just real numbers. DM me. #MortgageStrategy #BuyAndHold"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7535122664873020703)  2025-08-05T15:24Z 132.8K followers, [----] engagements


"People see a $750K house and immediately think theyre priced out. But that number It means nothing until you run the math. 🧠💰 If youve got $150K to drop sureyour payments lower. But if youre working with 3.5% down youre still in the game. Your monthly might be higher but it gets you in the door. Two buyers. Same house. Two completely different strategies. The question isnt can you afford $750Kits which path makes more sense for you #HomeBuyingStrategy #KnowYourNumbers #MortgageBreakdown #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7535462302955425054)  2025-08-06T13:22Z 132.9K followers, 11.7K engagements


"Pleasefor the love of your futureask for bi-weekly payments when you buy a home. Most buyers skip it. Big mistake. Youll make one extra payment a year without noticing cut [--] years off your loan and save up to $30K in interest. Simple move. Big results. #MortgageHacks #BiweeklyPayments #SaveOnInterest #FirstTimeHomebuyer #SmartMoneyMoves"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7535580592335801655)  2025-08-06T21:01Z 133.4K followers, [----] engagements


"The closing tables not the finish line. Its where the real game begins. 💰🏁 What you do AFTER you buy determines whether you build wealth or bleed cash. And trust me your lenders not sending you a manual. Youd be shocked how many homeowners dont file for tax exemptions dont shop for their insurance or never learn where their shut-off valves are. Thats how small mistakes turn into expensive regrets. Want the smart homeowner playbook DM me and lets get you set up. #PostClosingTips #RealEstateAdvice #NewHomeChecklist #HomeownershipStrategy #homebuyer #mortgage #realestate #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7536315034562039070)  2025-08-08T20:31Z 133.5K followers, 109.2K engagements


"Another business owner gets denied by the bank not because he cant afford the home but because the bank doesnt understand how self-employed income works. Sound familiar 📑😒 If you're self-employed your tax returns don't always tell the full story. Thats where bank statement loans come in no W-2s no pay stubs no stressing about write-offs. Were looking at revenue not red tape. So yeah the bank mightve hung up on you But I wont. Ive got options. If you own a business and keep getting stuck lets make sure you're working with someone who gets you and your income (that's me 🙋🏻♂). DM me."  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7537705136525774110)  2025-08-12T14:26Z 133.4K followers, [----] engagements


"Youve been saving forever. Youve got 20% down. Youre making $75/hr and working full-time. And yet you're second-guessing yourself because of a car loan and student debt Thats not a disqualifier. Thats just noise. 📉🤷♂ At a glance $600K feels big. But we ran the numbers with todays rates and guess what Youre well within range. Even with $1700 a month in debt youre clearing the DTI check. No drama. Just math. Dont count yourself out before youve even started. DM me and Ill show you the truth about what you can afford. #QualifiedNotGuessing #MortgageBreakdown #BuyWithStrategy #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7538166442047393038)  2025-08-13T20:16Z 133.5K followers, 641.8K engagements


"Have you ever walked into a dealership and wondered if you're getting played 👀🔍 Thats exactly what its like walking into a bank for a mortgage without a broker. I use a tool called a loan sifter and it compares dozens of lenders instantly so I know whos giving you the best deal based on YOUR numbers. Same buyer. Same property. Thousands saved just by knowing where to look. Thats the broker advantageand this is how brokers make the magic happen. 🪄 #MortgageStrategy #HomeFinancingTips #LoanComparison #BrokerAdvantage #ShopYourRate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7538443676842790175)  2025-08-14T14:11Z 133.5K followers, [----] engagements


"Self-employed buyers listen up. Your business might bring in $600K a year but if you write off most of it the bank only sees whats left. And thats the number they qualify you on. Thats why I give clients [--] lanes: 🚦 Lane 1: Conventional Loan Based on your tax returns. Great credit helps but low net profit = low approval. 🚦 Lane 2: Bank Statement Loan We take your last [--] months of deposits cut them in half and boom you just tripled your qualifying income. 🚦 Lane 3: P&L Program We compare revenue vs. expenses to figure out your real profit and use that. If your tax returns arent telling the"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7538905763415133453)  2025-08-15T20:05Z 133.5K followers, [----] engagements


"Lenders use gross income to qualify you because its the only number that hasnt been hit by real life yet. No taxes. No healthcare deductions. No oops I forgot about that car payment. 🧾🙃 Its the cleanest version of your income but its also not how you live. So yeah gross income might get you approved but your net income is what keeps your lights on and your Uber Eats addiction going. The trick Let lenders use gross but you plan with net. Otherwise youre just budgeting in fantasy land. #LifeAfterClosing #GrossIncomeMath #MortgageApprovalReality #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7539917393489874207)  2025-08-18T13:30Z 134.5K followers, [----] engagements


"The bank says you dont make enough but your Stripe account tells a very different story. 🕵🏻♂🧾 This is the trap. You write off income to save on taxes (smart) but now your lenders telling you youre broke (wrong). Bank statement loans let you skip that nonsense. No tax returns required. Just your monthly deposits. Lenders use your business revenue to calculate your loan finally. This loan was made for people like you. So stop trying to fit into a system that wasnt built for business owners. Comment SOLO and lets make your numbers work the way theyre supposed to. #BankStatementLoan"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7540025924197158157)  2025-08-18T20:31Z 134K followers, [----] engagements


"Most new homeowners celebrate closing on their new home like it's the Super Bowl. and then get sucker-punched by their first bill. 😵💫🥊 Heres how smart homeowners get ahead: lock in your tax exemptions so youre not leaving thousands on the table switch to biweekly payments so you cut YEARS off your loan and shop your insurance like you shop Amazon deals because loyalty wont save you a dime. Do these moves before your lender cashes that first check. DM me today and Ill break down how to set them up. #WealthTips #MortgagePlanning #HomeOwnershipGoals #homebuyer #mortgage"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7542979553443056926)  2025-08-26T19:33Z 134K followers, [----] engagements


"If youre self-employed and a lender tells you you dont qualify let me translate: they dont qualify to work with you. 🤷♂🗂 Had a client making $40K a month. TWO banks denied him because his CPA wrote everything off. (Which duh. Thats the point of a CPA.) We used bank statements instead of tax returns. Guess what Approved. Closed in weeks. Stop letting old-school banks play gatekeeper with outdated rules. Entrepreneurs deserve better. Comment SOLO and Ill show you the playbook. #MortgageStrategy #SelfEmployedLife #BankStatementLoan #EntrepreneurFinance #homebuyer"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7544001267840994590)  2025-08-29T13:38Z 134K followers, [----] engagements


"They rejected you because youre not speaking their language broski. 🔢🙅♂ After all your write-offs your qualifying income tanks. But with the right program Whole different story. Bank statement loans let us use your deposits which can more than triple what you qualify for. Stop letting the wrong loan program shrink your buying power. DM me and let's do the math to see exactly how much you qualify for. #SelfEmployedMortgage #BankStatementLoan #homebuyer #mortgage #realestate"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7546360858021006605)  2025-09-04T22:14Z 134.6K followers, [----] engagements


"Most people think you need to throw thousands extra at your mortgage to pay it off early. Not true. The cheat code Biweekly payments. 🕹💰 Heres how it works: instead of [--] full payments a year you make [--] half-payments every two weeks. Same amount of money just a different schedule. That sneaks in a 13th full payment every year. Whats the result Shaves about [--] years off your loan. Saves you six figures in interest. And you didnt even feel it. It may feel like cheating but in reality its just smarter math than your lender wants you to know. But now you do. #BiweeklyPayments #MortgageHacks"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7548459606465367327)  2025-09-10T13:58Z 134.6K followers, 39.8K engagements


"A $2600 mortgage payment doesnt sound so bad right Until you realize only part of it is actually touching your loan. Essentially your house is like that friend who always forgets their wallet at dinner and you keep covering the bill. 🍽💸 Stretch that over [--] years and your $400K loan balloons into over a million bucks. Thats the real sticker price no one talks about. The smart play Audit your mortgage. Restructure payments. Cut the fat. The bank wont tell you this because they profit when you stay asleep at the wheel. DM me BUYERS and I'll show you how the math works so you can stop"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7549213061463166238)  2025-09-12T14:42Z 134.2K followers, [----] engagements


"Entrepreneurs are wild. Youre out here generating insane revenue every month but your CPA turns it into barely scraping by on paper so you can dodge taxes. Smart for Uncle Sam. Terrible for mortgages. 🏠🚫 Thats why so many business owners walk into a bank with $80K/month flowing through their accounts and walk out with a denial letter. Heres the play: if you own 100% of your business a bank statement loan flips the script. We qualify you off deposits not deductions. That $80K/month You immediately get credit for half. Now youre borrowing power actually matches your business reality. Stop"  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7549593717787675935)  2025-09-13T15:19Z 134.2K followers, [---] engagements


"Look I get it. Being debt-free sounds dreamy. But in New York Ive literally never met a buyer with zero debt. Ever. 🗽💳 Heres the problem with blanket rules: they ignore reality. In New York (and honestly most of the country) housing costs dont fit into these neat little formulas. A 15-year loan with 14% of your take-home That barely covers taxes in some zip codes. Its not that rules are bad. Its that they dont bend to the actual market you live in. The better approach Build in reserves stay within a payment youre comfortable with and pick the loan structure that matches your real life."  
[TikTok Link](https://www.tiktok.com/@iamandrewrussell/video/7550407536885632269)  2025-09-15T19:57Z 134.3K followers, 16.5K engagements

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