#  @nateloans Nateloans Nateloans posts on TikTok about mortgage rate, if you, inflation, money the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/tiktok::7056123366391022597/interactions)  - [--] Week [-------] -65% - [--] Month [---------] -51% - [--] Months [----------] +68% - [--] Year [----------] +43% ### Mentions: [--] [#](/creator/tiktok::7056123366391022597/posts_active)  - [--] Month [--] -21% - [--] Months [---] +43% - [--] Year [---] +139% ### Followers: [------] [#](/creator/tiktok::7056123366391022597/followers)  - [--] Week [------] +0.46% - [--] Month [------] +2.80% - [--] Months [------] +18% - [--] Year [------] +75% ### CreatorRank: [-------] [#](/creator/tiktok::7056123366391022597/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 66% [stocks](/list/stocks) 6% [automotive brands](/list/automotive-brands) 3% [financial services](/list/financial-services) 2% [countries](/list/countries) 1% **Social topic influence** [mortgage rate](/topic/mortgage-rate) #84, [if you](/topic/if-you) 13%, [inflation](/topic/inflation) 13%, [money](/topic/money) 11%, [how to](/topic/how-to) 8%, [housing market](/topic/housing-market) 7%, [insurance](/topic/insurance) 6%, [more than](/topic/more-than) 5%, [in the](/topic/in-the) 5%, [market](/topic/market) 5% **Top accounts mentioned or mentioned by** [@bugaboo79](/creator/undefined) [@grupo](/creator/undefined) [@rafiti](/creator/undefined) [@victoria](/creator/undefined) [@user8269982061067](/creator/undefined) **Top assets mentioned** [BlackRock Inc (BLK)](/topic/blackrock) ### Top Social Posts Top posts by engagements in the last [--] hours "FHA can be a great tool but its not for everyone. Heres what most buyers are never told: [--] FHA is designed for lower credit scores If your credit is solid and your lender never even mentions Conventional financing thats a 🚩. [--] The 1.75% upfront fee is real money It gets rolled into your loan and even if you refinance later you dont get it back. [--] Mortgage insurance doesnt go away Unlike Conventional loans FHA mortgage insurance is permanent unless you refinance. Bottom line: FHA isnt bad but it shouldnt be the default if you qualify for better options. If you want to know which loan actually" [TikTok Link](https://www.tiktok.com/@nateloans/video/7585304158702423309) 2025-12-18T20:54Z [--] followers, 89.2K engagements "Boomers bought homes at [---] income. Millennials need [--] or more. Yet coffee is the solution to all problems . . . #housingmarket #costofliving #millennial Boomers had $3 minimum wage and $300 rent. We have $7.25 minimum wage and $1800 rent. But somehow my $8 coffee is the solution Boomers had $3 minimum wage and $300 rent. We have $7.25 minimum wage and $1800 rent. But somehow my $8 coffee is the solution" [TikTok Link](https://www.tiktok.com/@nateloans/video/7601901672218037534) 2026-02-01T14:21Z [--] followers, 200.1K engagements "Everyone loves a low rate. Thats exactly why lenders lead with it. But sometimes that great rate comes with higher costs on the back end just not always called discount points. Origination fees. Admin fees. Different names same money. A slightly higher rate with lower cost can be the better deal. Always compare the full loan not just the headline rate. . . . #buyingahouse #firsttimehomebuyer #mortgage #mortgagetips Watch out for these lender fees when buying a house Watch out for these lender fees when buying a house" [TikTok Link](https://www.tiktok.com/@nateloans/video/7602013692657552670) 2026-02-01T21:36Z [--] followers, [----] engagements "Boomers say millennials are lazy. Productivity says we get 5x more done in half the time. Wages didnt keep up. Housing didnt wait. But sure blame the coffee. ☕ . . . #housingmarket #costofliving #boomer #buyingahouse Boomers: Just work harder 🥴 Boomers: Just work harder 🥴" [TikTok Link](https://www.tiktok.com/@nateloans/video/7602354719402495245) 2026-02-02T19:39Z [--] followers, [----] engagements "Anyone that bought and held before the last housing crash is a lot better off from it. Theres nothing pointing to a housing crash now and even if we had one values will still recover in the long run. Thats why we say buy if you can afford to. . . . #buyingahouse #housingmarket #recession #firsttimehomebuyer #homeowner #inflation #wealth #realestate 2008: $245k 2024: $865k Real Estate is going to Crash 2008: $245k 2024: $865k Real Estate is going to Crash" [TikTok Link](https://www.tiktok.com/@nateloans/video/7361479592432995626) 2024-04-24T17:01Z 39.7K followers, 2.2M engagements "He heard all your prayers for lower rates and delivered an economic collapse instead. 😂 🙏 Trumps playing 4d chess we just cant admit it . . . #buyingahouse #realestate #housingmarket #recession #trump #homebuyer When you realize Trump is crashing the economy on purpose to force the Fed to cut rates and make the American dream affordable again When you realize Trump is crashing the economy on purpose to force the Fed to cut rates and make the American dream affordable again" [TikTok Link](https://www.tiktok.com/@nateloans/video/7481461582569082158) 2025-03-14T00:52Z 39.9K followers, 100.1K engagements "If youre buying a house you need to understand the mortgage pricing grid. This is what loan officers use to decide what rate to offer you and heres the secret: there isnt just one rate. There are options with points no points and even lender credits. The best choice depends on your goals and how long youll keep the loan. But most lenders dont break it downor worse they only show what benefits them. Know the grid and youll know how to save money. Reach out to me to learn more about how this works. . . . #buyingahouse #mortgagetips #mortgage #realestate #housingmarket #firsttimehomebuyer Dont" [TikTok Link](https://www.tiktok.com/@nateloans/video/7493288720112782638) 2025-04-14T21:48Z [--] followers, 41.2K engagements "Lower your monthly payment by getting rid of PMI. You dont have to wait for your bank to tell you when its time. Once your loan balance is under 80% of your homes value you can request PMI removal. Most homes gain value every year and even more if youve made upgrades like a new kitchen or bathroom. If you think youre close reach out to your loan servicer and ask for it to be removed. As always you can reach out to me for advice by clicking the link in my bio . . . #buyingahome #homeowner #mortgagetips #pmi #realestate#greenscreen What mortgage lenders dont tell you about PMI What mortgage" [TikTok Link](https://www.tiktok.com/@nateloans/video/7515941036125113646) 2025-06-14T22:50Z 39.9K followers, 231.9K engagements "Replying to @bugaboo.79 Mortgage rates could still move lower this year but not every buyer will benefit. Your lenders float down policy decides if you can capture a lower rate after locking or if you are stuck paying more than you should. In this video I explain how float downs work the fine print to watch for and what you need to ask your lender before locking your rate. . . . #mortgage #mortgagetips #interestrates Dont lock your mortgage rate until you know the lenders float down policy Dont lock your mortgage rate until you know the lenders float down policy" [TikTok Link](https://www.tiktok.com/@nateloans/video/7542635340180278542) 2025-08-25T21:17Z 39.8K followers, [----] engagements "The Loan Estimate is one of the most important documents in the homebuying process but also one of the most confusing. Heres what to look for: ✅ Is your rate locked ✅ Which loan program is listed ✅ Section A: Lender fees (watch if theyre $2k+) ✅ Section B: Third-party fees (common with brokers) ✅ Section J: Lender credits Most buyers skim right past this and miss thousands in hidden costs. If you want someone to break it down line by line and show you whats really worth paying click the link in my bio to set up a free call. . . . #mortgage #mortgagetips #buyingahouse Loan estimate red flags" [TikTok Link](https://www.tiktok.com/@nateloans/video/7543738587292978445) 2025-08-28T20:38Z 39.8K followers, 82.3K engagements "Be careful what you wish for Lower rates will be nice at first but eventually will bring millions of more buyers to the marketdriving prices up. Im not even sure we will see rates that low next year but if we do it wont make buying a home any easier. . . . #buyingahouse #interestrates #housingmarket POV: Homebuyers in [----] when the interest rate is 5.5% POV: Homebuyers in [----] when the interest rate is 5.5%" [TikTok Link](https://www.tiktok.com/@nateloans/video/7554463182484540685) 2025-09-26T18:15Z 39.8K followers, 181.1K engagements "My unborn grandkids are already in debt 😂 . . . #mortgage #debt Me pulling up to my [--] year mortgage house with my [--] year loan car Me pulling up to my [--] year mortgage house with my [--] year loan car" [TikTok Link](https://www.tiktok.com/@nateloans/video/7572182949244816654) 2025-11-13T12:17Z 39.8K followers, 644K engagements "Self-employed buyers we need to talk 😂 If your tax returns say you made $12k last year lenders cant magically approve you for a $600k home. There are ways to qualify but you have to structure your income the right way. If you want me to look at your numbers and tell you exactly what you qualify for Ill do a free 15-minute call link in bio. . . . #mortgage #mortgagetips #taxes POV : Me being self employed trying to buy a $650k home Mortgage Lender: Please tell me you didnt file your taxes showing $13500 a year POV : Me being self employed trying to buy a $650k home Mortgage Lender: Please" [TikTok Link](https://www.tiktok.com/@nateloans/video/7574917482310405431) 2025-11-20T21:08Z 39.8K followers, 236.1K engagements "Mortgage rates just broke below 6% for the first time in a while If youre buying a house or already own one with a 6.75%+ mortgage rate call me so we can come up with a plan for [----] . . . #mortgage #mortgagetips #buyingahouse #refinance #CapCut Every Realtor and Lender now that rates are 6% Every Realtor and Lender now that rates are 6%" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593466021487398157) 2026-01-09T20:47Z 39.8K followers, [----] engagements "Boomers love bringing up their 12% rate like their house didnt cost $80k 😭 Starter homes are $600k Rent is $2800 Student loans are six figures But yeah tell me more about [----]. #housingmarket #millennials #realestate Millennial: When youre facing $600k starter homes $2800 rent and $150k in student loans and a boomer tells you about their 12% rate in [----] Millennial: When youre facing $600k starter homes $2800 rent and $150k in student loans and a boomer tells you about their 12% rate in 1987" [TikTok Link](https://www.tiktok.com/@nateloans/video/7598215553626524983) 2026-01-22T15:57Z 39.8K followers, [----] engagements "Self-employed doesnt mean broke it just means your tax return tells a different story 😅 This is why strategy matters. Talk to your loan officer before filing please 🙏 . . . #selfemployed #mortgage #housingmarket #homebuying POV: Me being self employed trying to buy a $750k house Mortgage Lender: Please dont tell me you filed taxes showing only $9500 a year POV: Me being self employed trying to buy a $750k house Mortgage Lender: Please dont tell me you filed taxes showing only $9500 a year" [TikTok Link](https://www.tiktok.com/@nateloans/video/7599646418357325087) 2026-01-26T12:30Z 39.7K followers, 299.5K engagements "When being patient goes wrong 😭 . . . #buyingahouse #housingmarket #mortgage When you spent [--] years waiting for rates to drop and now theyre 5.99% but it doesnt help because the $300k house is $495k When you spent [--] years waiting for rates to drop and now theyre 5.99% but it doesnt help because the $300k house is $495k" [TikTok Link](https://www.tiktok.com/@nateloans/video/7600854195650022686) 2026-01-29T18:36Z 39.9K followers, [---] engagements "They say renting gives you freedom but the only ones enjoying it are the landlords . . . #rent #buyingahouse #landlord Them: Renting is cheaper🥴 Me enjoying my 5th tenant funded vacation in [--] months Them: Renting is cheaper🥴 Me enjoying my 5th tenant funded vacation in [--] months" [TikTok Link](https://www.tiktok.com/@nateloans/video/7601538075897892126) 2026-01-31T14:50Z 39.9K followers, [----] engagements "Why dont millennials just save more 🤔🏡 . . . #housingmarket #boomer Old people after they sell their house for $2.7 million that they bought in [----] for $35k Old people after they sell their house for $2.7 million that they bought in [----] for $35k" [TikTok Link](https://www.tiktok.com/@nateloans/video/7601566588457733407) 2026-01-31T16:41Z 39.9K followers, [----] engagements "Or just stop drinking $8 coffees and buying $1500 smartphones as boomers say 😂 The point here is none of these things will ever happen so the best thing you can do for yourself and your family is stop waiting a buy a home if you can afford it. Prices will keep going up faster than our wages. If rates come down just refinance . . . #housingmarket #costofliving #firsttimehomebuyer Lender: No big deal you just need a 2.65% rates 56% raise or a 35% housing market crash POV: Me who didnt buy a house in [----] Lender: No big deal you just need a 2.65% rates 56% raise or a 35% housing market crash" [TikTok Link](https://www.tiktok.com/@nateloans/video/7602726009460296973) 2026-02-03T19:40Z 39.8K followers, [----] engagements "That check engine light in a BMW would cost thousands to fix. Just saying Car loans are one of the biggest obstacles keeping first-time buyers from qualifying for a mortgage. A $600 car payment can drop your pre-approval by $100000. The average new car payment is $750. You do the math. My Honda isnt fancy but its paid off and gets me everywhere I need to go 🤷♂ What car are you driving . . . #cars #savingmoney #bmw Driving a [--] year old Honda with 125k miles because it cost me nothing to run and who wants a $750 a month car payment Driving a [--] year old Honda with 125k miles because it cost" [TikTok Link](https://www.tiktok.com/@nateloans/video/7602987538759830797) 2026-02-04T12:34Z 39.8K followers, [----] engagements "At this point its just background noise. . . . #millennial #recession #economy POV: Millennials realizing theyre about to live through their 4th once in a generation economic collapse POV: Millennials realizing theyre about to live through their 4th once in a generation economic collapse" [TikTok Link](https://www.tiktok.com/@nateloans/video/7603550168755014926) 2026-02-06T00:58Z 39.9K followers, [---] engagements "Just budget better doesnt work when home prices outpace income for decades. This is a housing affordability issue not a lifestyle one. . . . #housingmarket #costofliving #millennials We werent spending money on $1k smartphones or $8 coffees Your generation is just too soft We werent spending money on $1k smartphones or $8 coffees Your generation is just too soft" [TikTok Link](https://www.tiktok.com/@nateloans/video/7604166761247771917) 2026-02-07T16:51Z [--] followers, [----] engagements "Lenders will bait you with a lower rate with the hope that you dont notice the extra thousands of dollars in the loan estimate. Thats why it is so important that you learn how to read the fine print. There are a bunch of costs but only a few actually differentiate your lender from another and those are found in section A. Even though this seems simple people reach out to me every day for my FREE advice. If you want to do the same send me a DM or schedule a [--] min call using the link in my bio . . . #mortgagetips Avoid getting ripped off when buying your house Avoid getting ripped off when" [TikTok Link](https://www.tiktok.com/@nateloans/video/7574177753596038455) 2025-11-18T21:18Z [--] followers, 102.6K engagements "Promises vs reality . . . #housingmarket #costofliving #mortgage Blackrock When the government says its banning corporations from buying homes Trump Blackrock When the government says its banning corporations from buying homes Trump" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593108622360595726) 2026-01-08T21:39Z [--] followers, 27.6K engagements "#greenscreen the Fed just held rate steady and signaled patients on future cuts that matters if youre buying or refinancing in [----] mortgage rate rates react to expectation is not headlines. . . . #fed #interestrates #housingmarket #economy No Fed rate cut in Jan and possibly for all of [----] because of strong economy and job market No Fed rate cut in Jan and possibly for all of [----] because of strong economy and job market" [TikTok Link](https://www.tiktok.com/@nateloans/video/7600523726601358622) 2026-01-28T21:14Z [--] followers, [----] engagements "Somehow this is a six-figure skill . . . #boomer #workplace #corporatelife POV: Boomers coworkers who make 5x your salary when they have to save a pdf POV: Boomers coworkers who make 5x your salary when they have to save a pdf" [TikTok Link](https://www.tiktok.com/@nateloans/video/7604582572185619725) 2026-02-08T19:44Z [--] followers, [----] engagements "Success is supposed to skip generations but millennials are still waiting for their bag 😭 With the cost of living so high boomers need every dollar they can get lol. . . . ##boomers##buyingahouse##wealth##mortgage##homeowner##millennial Boomers when its time to pass down generational wealth to their kids Boomers when its time to pass down generational wealth to their kids" [TikTok Link](https://www.tiktok.com/@nateloans/video/7478495921899195691) 2025-03-06T01:04Z [--] followers, 1.7M engagements "When boomers blame the current unaffordable housing market on smartphones coffee and avocado toast 🫠 . . . #housingmarket #buyingahouse #costofliving Boomers: you got it easy kid just stop drinking $8 coffee and buying $1k smartphones Boomers: you got it easy kid just stop drinking $8 coffee and buying $1k smartphones" [TikTok Link](https://www.tiktok.com/@nateloans/video/7584144015663074574) 2025-12-15T17:52Z [--] followers, 2.4M engagements "Homebuyers make the mistake of shopping the mortgage rate instead of the deal. Getting a lower than average rate usually means you are paying more closing costs. Problem is lose officers often hide that fact from you. Thats why its important you understand how a mortgage pricing grid works. Lenders dont have just one rate every rate is associated with a cost. If you need free advice to renew your lenders offer feel free to send me a DM or schedule a [--] minute FREE call by clicking the link in the bio . . . ##mortgagetips##mortgageadvice##interestrates Dont overpay for your mortgage understand" [TikTok Link](https://www.tiktok.com/@nateloans/video/7588639800236805390) 2025-12-27T20:38Z [--] followers, 16.5K engagements "When shopping lenders you only need to compare section A and B of the loan estimate. Every other section comes from the title company in other words the lender has no control over. So if one lender has a cheaper section C that doesnt mean they are cheaper. They either lowballed their quote to look better or the fees are correct which means the other lender will have them too once they get the quote from the title company. But lenders know buyers look at cash to close and use that to gaslight them into thinking their offer is cheaper. Dont fall for that trick. . . . #mortgagetips #mortgage" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593077947402128695) 2026-01-08T19:40Z [--] followers, 29.7K engagements "How to know if refinancing actually makes sense. Its not about rates. Its about math. If the monthly savings pay for the cost of the loan in under [--] months its usually a smart move. Plus you might be able to drop PMI too. Always run the numbers. . . . #refinance #mortgagetips #interestrates How to know if its worth refinancing your mortgage How to know if its worth refinancing your mortgage" [TikTok Link](https://www.tiktok.com/@nateloans/video/7594218490324667662) 2026-01-11T21:26Z [--] followers, 35.6K engagements "Replying to @Grupo Inovado official STOP waiting [--] months to refinance just because your LO told you to 🛑💸 Ever wonder why loan officers are so persistent about that 6-month rule Most of the time its not for youits for them. If you refinance before making [--] payments that LO might lose their entire commission to a clawback or EPO penalty. 📉🏃💨 The truth about [----] refinancing: ✅ Conventional Loans: Most have ZERO prepayment penalties. If the math makes sense and rates dropped you can technically refi whenever you want 🏠✨ ✅ The VA Catch: If you have a VA loan there is a real ruleyou MUST" [TikTok Link](https://www.tiktok.com/@nateloans/video/7594841930358459703) 2026-01-13T13:46Z [--] followers, [----] engagements "Millennials get more work done on their morning commute than boomers did all day. . . . #workfromhome #boomer #worklifebalance Cant open .pdf POV: Boomers when you mention WFH Cant open .pdf POV: Boomers when you mention WFH" [TikTok Link](https://www.tiktok.com/@nateloans/video/7594891600334048525) 2026-01-13T16:59Z [--] followers, 105.8K engagements "Renting might seem cheaper but remember that rents always go up over time. A mortgage goes up very little in [--] years meanwhile youre building equity with each payment while the property value goes up. Yes there is maintenance but theres also slumlords rising rents and moving costs. After [--] years you will own a house outright with renting you will have nothing . . . #housingmarket #rent #costofliving #buyingahouse Blackstone: Renting is cheaper What if your fridge breaks🥴 Blackstone: Renting is cheaper What if your fridge breaks🥴" [TikTok Link](https://www.tiktok.com/@nateloans/video/7599007090689985847) 2026-01-24T19:09Z [--] followers, [----] engagements "When youre buying a house the vast majority of closing cost will be the same regardless of the lender you work with only the costs in section A and B of the loan estimate actually come from the lender and thats how you can compare their numbers with someone else to know if youre getting a good deal. The cost of the loan is in section A and should not be more than $2000 unless you agreed to buy down the rate. Even if it is less than $2000 you might still have a high rate which is why it always makes sense to review your numbers with another lender. If you want me to take a look at your loan" [TikTok Link](https://www.tiktok.com/@nateloans/video/7601283649564069150) 2026-01-30T22:23Z [--] followers, 21.2K engagements "Refinancing your mortgage might lower your monthly payment but that doesnt mean it makes financial sense to figure that out you need to know how much the refinance is going to cost you and how much money youre going to save per month with those two pieces of information you can calculate your breakeven point and if its less than [--] months then if likely makes sense to proceed. If the refinance is going to take longer than [--] months to pay for itself most of the time it makes sense to hold off. But you cant figure out the numbers without talking to a loan officer and providing them with the" [TikTok Link](https://www.tiktok.com/@nateloans/video/7603862556754660621) 2026-02-06T21:10Z [--] followers, [----] engagements "Most people think their credit disqualifies them from buying a house. It usually doesnt. [--] FHA loans allow credit scores as low as [---] [--] Your mortgage pre-approval should start with a soft credit check if your score is already borderline even a few points can matter [--] We use a credit tool that shows you exactly how to raise your score and its usually not hard Even if you already qualify 📈 a higher score = better rate lower payment better deal Credit isnt the problem. Not knowing how it works is. . . . #mortgagetips #creditscore #mortgagetips Improve your credit score in one week to buy a" [TikTok Link](https://www.tiktok.com/@nateloans/video/7604978212820585742) 2026-02-09T21:20Z [--] followers, [---] engagements "The President just announced a plan to ban large institutional investors from buying single-family homes in an effort to support housing affordability. Now institutions only own around 1% of single-family homes today but this would still be a major shift in housing policy and market direction. And as Dave Ramsey says in this clip: you can fully support free enterprise but when corporate ownership starts limiting ordinary families from building wealth through homeownership something has to change. . . . #housingmarket #costofliving #buyingahouse Trump to ban large institutions from buying" [TikTok Link](https://www.tiktok.com/@nateloans/video/7592732470357790007) 2026-01-07T21:20Z 38.8K followers, [----] engagements "Decembers jobs report just came in weaker than expected and prior months were revised sharply lower. This is now the slowest job growth outside of recessions this century. The bond market hasnt reacted yet but historically this is the type of data that eventually brings mortgage rates down. . . . #economy #interestrates #mortgage #inflation Dec Jobs Report - What It Means for Mortgage Rates Dec Jobs Report - What It Means for Mortgage Rates" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593386686835445047) 2026-01-09T15:39Z 38.8K followers, [---] engagements "Mortgage rates just hit their lowest levels and now is the ideal time to refinance. If you have a rate thats 7% or higher. If youre in the market to buy your first home these lower rates represents significant savings. I break it all down in my video. its a great start to [----] . . . #mortgage #mortgagerates #refinance Mortgage rates reached their lowest levels in years Mortgage rates reached their lowest levels in years" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593440230825381133) 2026-01-09T19:07Z 38.8K followers, [----] engagements "Is it over for Blackrock blackstone private equity and wall street #finance #housingmarket #realestate" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593468535553215799) 2026-01-09T20:56Z 39.2K followers, [---] engagements "But the interest rate was 17% and we didnt buy $1500 cell phones #housingmarket #costofliving #boomer They bought it for $10k and a bag of peanuts back in [----] POV: Boomers when theyre offered $1.49M for their $1.5 million house They bought it for $10k and a bag of peanuts back in [----] POV: Boomers when theyre offered $1.49M for their $1.5 million house" [TikTok Link](https://www.tiktok.com/@nateloans/video/7593904916507151630) 2026-01-11T01:09Z 38.9K followers, [---] engagements "Everything is fine. . . . #housingmarket #economy #recession #inflation POV: The Stock Market while the real economy is on life support POV: The Stock Market while the real economy is on life support" [TikTok Link](https://www.tiktok.com/@nateloans/video/7595282759350848781) 2026-01-14T18:16Z 39K followers, [---] engagements "Mortgage lenders love sending quotes instead of real Loan Estimates because quotes arent regulated. They can put whatever numbers they want on them to look cheaper and win your business. If youre shopping a mortgage always ask for a Loan Estimate. Thats the only document that actually matters. . . . #mortgage #mortgagetips #firsttimehomebuyer #greenscreen How lenders trick you into thinking they have the best mortgage offer How lenders trick you into thinking they have the best mortgage offer" [TikTok Link](https://www.tiktok.com/@nateloans/video/7595734515461442871) 2026-01-15T23:29Z 39.3K followers, [----] engagements "When boomers tell you to work harder show them this. They bought a car and a living room for $3000. But yeah its the coffee. . . . #housingmarket #costofliving #boomers #thenandnow Boomers: you kids got it easy we didnt waste money on $8 coffee and $1500 smartphones Boomers: you kids got it easy we didnt waste money on $8 coffee and $1500 smartphones" [TikTok Link](https://www.tiktok.com/@nateloans/video/7596063452410514743) 2026-01-16T20:46Z 39.3K followers, [----] engagements "Coffee thought ☕ Life was more affordable during the Great Depression. In the 1930s 48% of young adults lived with their parents. In [----] it hit 52%. Let that sink in. . . . #costofliving #housingmarket #economy During the Great Depression 48% of young adults lived lived with their parentsToday its 52%. Life was more affordable during the Great Depression than it is now. But go ahead blame my $8 coffee During the Great Depression 48% of young adults lived lived with their parentsToday its 52%. Life was more affordable during the Great Depression than it is now. But go ahead blame my $8 coffee" [TikTok Link](https://www.tiktok.com/@nateloans/video/7596416002473184526) 2026-01-17T19:34Z 39.3K followers, 37.9K engagements "Minimum wage hasnt changed since [----]. Cost of living almost doubled . . . #costofliving #housingmarket #inflation Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597188420749806903) 2026-01-19T21:31Z 39.1K followers, [---] engagements "Minimum wage hasnt changed since [----]. Cost of living almost doubled . . . #costofliving #housingmarket #inflation Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597247576634641678) 2026-01-20T01:21Z 39.3K followers, [----] engagements "As if graduating in [----] wasnt bad enough How many once-in-a-generation crashes does one generation get . . . #recession #economy #millennials POV: Millennials trying to outrun their 5th once in a generation economic collapse POV: Millennials trying to outrun their 5th once in a generation economic collapse" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597629963390422327) 2026-01-21T02:04Z 39.3K followers, [---] engagements "In my defense I was still in diapers. How old were you in [----] . . . #costofliving #housingmarket #millennial Realizing you should have bought a house in [----] but you werent even born yet Realizing you should have bought a house in [----] but you werent even born yet" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597901052939226423) 2026-01-21T19:36Z 39.3K followers, [----] engagements "Everyone loves a free refinance but heres what they dont tell you. If you roll $10000 of closing costs into your loan: Youre borrowing that money at mortgage rates Youre paying interest on it for decades It can keep mortgage insurance on you longer And it literally increases your monthly payment Free refi = financed refi. Know the difference before you sign. . . . #mortgage #refinance #mortgagetips [--] reasons to avoid a free refinance [--] reasons to avoid a free refinance" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597924160005852429) 2026-01-21T21:06Z 39.3K followers, [---] engagements "Markets finally caught a breather after Trump announced a framework for a Greenland deal and ruled out using force. The plan gives the U.S. long-term access to critical minerals easing investor nerves after tariff threats on European countries pushed mortgage rates up nearly a quarter percent. Rates had climbed to 5.99% during the uncertainty now theyre starting to cool as tensions ease. Geopolitics moves markets. Markets move mortgage rates. . . . #economy #mortgage #stockmarket#greenscreen Greenland deal on the table and markets are relieved 😮💨 Greenland deal on the table and markets are" [TikTok Link](https://www.tiktok.com/@nateloans/video/7597931750139907341) 2026-01-21T21:36Z 39.3K followers, [----] engagements "Timing matters. Some generations got lucky. Others just showed up late. . . . #housingmarket #costofliving #boomers POV: Boomers after selling their $30k house to Blackstone for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackstone for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent" [TikTok Link](https://www.tiktok.com/@nateloans/video/7600569324062952734) 2026-01-29T00:11Z 39.3K followers, [---] engagements "The mortgage payment on this $429k condo is less than rent. #openhouse #citylife #firsttimehomebuyer #renters #realestate #boston #roxburyma #nateloans" [TikTok Link](https://www.tiktok.com/@nateloans/video/7219794032245935402) 2023-04-08T21:28Z 39.4K followers, [---] engagements "Never let go of that rate buddy 💪🏼 . . . #interestrates #mortgageadvice #neverselling #foreverhom #refinance #realestate When someone with a 2.875% interest rate tells me theyre planning to sell When someone with a 2.875% interest rate tells me theyre planning to sell" [TikTok Link](https://www.tiktok.com/@nateloans/video/7301838984131464490) 2023-11-15T23:44Z 39.5K followers, [----] engagements "Unemployment might be rising but rates are dropping like its hot Rate hikes are out of the picture moving forward. . . . #buyingahouse #interestrates #inflation #earlychristmas #mortgage #mortgageadvice #inflation Every Realtor and Lender now that rates are 7% Every Realtor and Lender now that rates are 7%" [TikTok Link](https://www.tiktok.com/@nateloans/video/7312430861729811755) 2023-12-14T12:46Z 39.4K followers, [----] engagements "Jaydens needs a gift 😂 . Credit: behindclosedloans . . . #preapproval #underwriting #buyingahouse #mortgage #mortgagetips #mortgage101 #firsttimehomebuyer #realestate" [TikTok Link](https://www.tiktok.com/@nateloans/video/7327030935856188702) 2024-01-22T21:03Z 39.5K followers, [----] engagements "2020 was a great time to buy but now isnt bad either . . . #interestrates #mortgagebroker #loanofficer #mortgage #realestate #mortgagetips #buyingahouse #housingcrisis Asking my mortgage lender to give me the 2.875% interest rate he gave my brother back in [----] Your rate in the comments Asking my mortgage lender to give me the 2.875% interest rate he gave my brother back in [----] Your rate in the comments" [TikTok Link](https://www.tiktok.com/@nateloans/video/7341423903023058206) 2024-03-01T15:54Z 39.4K followers, [----] engagements "Inflation report came out and month over month we had deflation and overall things are normalizing after a chaotic past couple of years. If the trend continues this way I can easily see the fat cutting rates in September and possibly even December as well . . . . ##buyingahouse##firstimehomebuyer##housingmarket##realestate##economy#greenscreen" [TikTok Link](https://www.tiktok.com/@nateloans/video/7390535614069820703) 2024-07-12T00:12Z 39.5K followers, [---] engagements "Replying to @rafiti homes appreciated [--] out of last [--] years yet real estate professionals are sleezy for helping you make the best financial decision of your life . . . #buyingahouse #realestate #housingmarket #generationalwealth #economy #realtors #mortgagetips" [TikTok Link](https://www.tiktok.com/@nateloans/video/7397565799726124319) 2024-07-30T22:53Z 39.3K followers, [----] engagements "The September job numbers were announced it was a major blow. Over [------] more jobs were created than what analyst anticipated which indicates the economy is strong. The good news is inflation is continuing to go lower which Almost solidifies the soft landing as a fact. The fad will continue to cut rates but not as aggressively as a market thought going into this meeting. even though we wanted to see lower interest rates for homebuyers. I think this is good news overall because it means were avoiding a recession and we know that interest rates will go lower overtime. . . ." [TikTok Link](https://www.tiktok.com/@nateloans/video/7421947207605128478) 2024-10-04T15:46Z 39.4K followers, [----] engagements "Existing home sales havent been this low since [----] even though we are seeing conditions improve slightly. Many peopld are sidelined because of the election and excitement of lower rates has evaporated . . . #buyingahouse #mortgage #housingmarket #election #realestate #economy" [TikTok Link](https://www.tiktok.com/@nateloans/video/7429293348663430430) 2024-10-24T10:52Z 39.5K followers, [----] engagements "Another reason why I dont think housing will crash next year is that Mortgage rates will be going down and the lower the rates are the more people can afford to buy home. Its simple supply man if theres more demand with a low supply prices will be driven up. Of course anything can happen and has a Crystal but historically this is the outcome of lower interest rates so be prepared get preapproved and if you have any questions reach out to me. . . . #buyingahouse #mortgagetips #housingmarket #homeprices #realestate" [TikTok Link](https://www.tiktok.com/@nateloans/video/7433113910313504030) 2024-11-03T17:58Z 39.4K followers, [----] engagements "Just concluded their November meeting and cut the federal funds rate by a quarter percent. Unlike last time when mortgage rates and the ten year treasury spiked on news of a cut today rates came down. It seems like the fed wants to keep the [--] year treasury from reaching 5%. They referenced three and six month PCE being at 2.3% when a journal was brought up 2.7% annual inflation figure. I believe theyll cut rates again by quarter in December when they have their next meeting but as always we need to stay tuned to upcoming economic data is what makes the fed bases their decision on . . ." [TikTok Link](https://www.tiktok.com/@nateloans/video/7434664203002203422) 2024-11-07T22:14Z 39.5K followers, [----] engagements "Even though most of us know that long-term investing will set us and our family up for a financially successful future the majority of us will choose temporary gratification like buying a BMW instead. You dont realize it now but these decisions pile up and lead to a difficult retirement. . . . #buyingahouse #saving #investing #realestateinvesting #firsttimehomebuyer #homebuyertips #moneytips Financial Advisor: Invest $600 a month until your son turns [--] and you'll have $345k to help him buy a house Me financing a BMW M3 with $1200 payments because Im just a chill guy that likes when my car" [TikTok Link](https://www.tiktok.com/@nateloans/video/7443631527696551199) 2024-12-02T02:12Z 39.4K followers, 1.3M engagements "President Trump said he will demand mortgage rates to go down which sounds great to people in the market for a home but could be problematic in the long run. Theres been an up to inflation and analyst dont believe Ray cuts are warranted currently due to the strong economy if Trump demands are successful and rates got caught that could lead to inflation spiraling out of control . . . #buyingahouse #housingmarket #interestrates #trump #inflation #mortgage President Trump Demands lower interest rates President Trump Demands lower interest rates" [TikTok Link](https://www.tiktok.com/@nateloans/video/7463297242179603758) 2025-01-24T02:05Z 39.5K followers, 21.8K engagements "No loan is safe from an angry underwriter even the perfect loan can be unalived 🤣 Its always the best loans that get scrutinized the most Jk I love you underwriters POV: Underwriters denying a buyer with a $200K salary and [---] credit score because they tranferred $150 between their own accountstoo risky POV: Underwriters denying a buyer with a $200K salary and [---] credit score because they tranferred $150 between their own accountstoo risky" [TikTok Link](https://www.tiktok.com/@nateloans/video/7478143130773032234) 2025-03-05T02:15Z 39.5K followers, [----] engagements "Are you still waiting for a housing crash . Most of the time you dont realize a good deal until youre looking back on it. In the moment it always feels risky. Thats exactly what happened to a lot of buyers who passed on low mortgage payments thinking they could wait for a better deal. Now Theyre facing monthly payments that are two to three times higher for the same house. Timing the market rarely works. Its about time in the market. . DM me or link in the bio to Book a free [--] min consultation . . . #housingmarket #buyingahome #firsttimehomebuyer #mortgagetips #homebuyertips *they passed on" [TikTok Link](https://www.tiktok.com/@nateloans/video/7486215182230883626) 2025-03-26T20:18Z 39.4K followers, [----] engagements "Most renters will be happy if home prices crash but what they dont realize is it wont make buying a home easier for them . . . #housingcrash #homeowners #housingmarket #Meme #MemeCut Homeowners Renters How renters will react if home prices ever crash Homeowners Renters How renters will react if home prices ever crash" [TikTok Link](https://www.tiktok.com/@nateloans/video/7495373580327193898) 2025-04-20T12:38Z 39.4K followers, 82.1K engagements "Trump is putting more pressure on drone power to cut the rates or just resign to prevent a market slow down and its spooking the economy out right now. To me he sounds a little bit desperate and I dont think its fair to blame the fed at this stage for an economic slowdown when the market is dropped 9% since hes taken office. Plus he did say we need to go through temporary pain . . . #economy #housingmarket #news #interestrates #trump Trump is pressuring the Fed to cut rates to prevent a slowdown which is spooking the market Trump is pressuring the Fed to cut rates to prevent a slowdown which" [TikTok Link](https://www.tiktok.com/@nateloans/video/7495903138747075886) 2025-04-21T22:53Z 39.4K followers, [----] engagements "Do you think this is a dead cat bounce Feels like yesterday that the market was on the brink of collapsing due to the liberation day tariffs and now we just saw the biggest winning streak in the S&P [---] in the last [--] years. Meanwhile mortgage rates are lower. While a recession is still highly likely they are not the end of the world and for homebuyers will present an opportunity to refinance their higher interest rate Mortgage. #greenscreen Is the Trump trade back Markets have rebounded and rates are lower Is the Trump trade back Markets have rebounded and rates are lower" [TikTok Link](https://www.tiktok.com/@nateloans/video/7500282823039880490) 2025-05-03T18:08Z 39.5K followers, [----] engagements "Replying to @Victoria Troester Some lenders sneak in points by labeling them as origination fees. Theyre basically the same thing and it costs you big. In this market I wouldnt buy points unless the sellers covering them and even then Id prioritize other costs first. 👉 Send me your loan estimate if youre not sure what youre being charged. Ill break it down for you. #mortgagetips #buyingahouse #mortgage Look out for hidden lender fees when buying a house Look out for hidden lender fees when buying a house" [TikTok Link](https://www.tiktok.com/@nateloans/video/7520734492915404045) 2025-06-27T20:51Z 39.4K followers, 261.4K engagements "Some loan officers lowball the closing costs on your Loan Estimate just to look cheaper than other lenders. But that deal can backfireI've seen it firsthand. You could get hit with a surprise at the closing table or worse the whole deal could fall apart if you don't have the funds to close. A low estimate doesnt mean a better deal it means youre being misled. #mortgage #nortgagetips #buyingahouse Low Closing Costs Dont Fall for It Low Closing Costs Dont Fall for It" [TikTok Link](https://www.tiktok.com/@nateloans/video/7530011066265275679) 2025-07-22T20:49Z 39.5K followers, [----] engagements "Most people look at the interest rate and think theyre getting a great deal. But hidden fees can wipe out those savings fast. In this example the buyer is paying 2.5% in points and $3000 in origination. Meanwhile most lenders would charge closer to $1500 total. Page [--] Section B of your Loan Estimate is where the truth lives. 📄 Understand your fees. 💸 Spot the junk charges. 🤝 Make sure your loan officer is actually working for you. Reading a Loan Estimate isnt easy but its worth it. DM me to have me look over your quote for FREE . . . #mortgagetips #mortgage #buyingahouse #closingcosts" [TikTok Link](https://www.tiktok.com/@nateloans/video/7533372551133711671) 2025-07-31T22:13Z 39.4K followers, 18.2K engagements "Todays jobs report came in stronger than expected and GDP is holding up too. That combo is pushing down the odds of two Fed rate cuts in 2025the market already shaved about 12% off those chances. But the real test comes tomorrow with the PCE inflation report. If youve been waiting on lower mortgage rates this is a reminder that betting on Fed cuts might not be the winning strategy. 📉🏡 #interestrates #Fed #HousingMarket #Inflation The fed may not cut rates again if tomorrows inflation report comes in hotter than expected The fed may not cut rates again if tomorrows inflation report comes in" [TikTok Link](https://www.tiktok.com/@nateloans/video/7554072338703125773) 2025-09-25T16:59Z 39.5K followers, [----] engagements "The Fed finally cut rates todaybut mortgage rates jumped. Why Because its not just about what they did its what Powell said. His hawkish tone spooked the markets and made traders doubt another cut in December. But I still think well see onejobs data keeps softening and another 0.25% wont change inflation. The Feds just trying to keep markets from running wild too soon. . . . #fed #interestrates #economy Fed rate cut in Oct leads to higher mortgage rates Fed rate cut in Oct leads to higher mortgage rates" [TikTok Link](https://www.tiktok.com/@nateloans/video/7566775411082808631) 2025-10-29T22:33Z 39.4K followers, [----] engagements "Todays PPI came in cooler than expected and rate cut odds jumped back to 85%. This isnt just about one inflation report. Fed members like Williams and Waller shifted tone this week and thats pushing markets toward a September cut. The 10-year just slipped under 4% again. Big moves ahead. . . . #inflation #interestrates #fed Inflation report and dovish Fed comments points to Dec Rate cut 11/25 Inflation report and dovish Fed comments points to Dec Rate cut 11/25" [TikTok Link](https://www.tiktok.com/@nateloans/video/7576729172270271799) 2025-11-25T18:19Z 39.4K followers, [----] engagements "Todays Fed meeting was bigger than just a quarter-percent rate cut. Jerome Powell admitted the labor market might be much weaker than reported payrolls may have been overstated by [-----] jobs per month. The Fed also signaled new quantitative easing by buying short-term bonds and said were now in the high range of neutral which leaves room for more cuts in [----]. Powell also said housing will be a problem for a while because millions of homeowners are locked into ultra-low pandemic mortgage rates while todays rates remain high. For homebuyers and homeowners this matters: softer labor data = less" [TikTok Link](https://www.tiktok.com/@nateloans/video/7582379295973117197) 2025-12-10T23:44Z 39.4K followers, [----] engagements "Jessicas loan officer isnt charging you points doesnt mean theyre giving you a good deal. Loan officers know youre looking for points so a lot of times they will add additional charges under different names such as origination fees administration fees processing fees. It honestly doesnt matter what they call it. The bottom line is if youre paying more than $2000 in section A youre likely buying down your rate without knowing it. if you want me to review your loan estimate or go over your situation send me a DM or drop a comment . . . #buyingahouse #mortgage #mortgagetips #greenscreen Watch" [TikTok Link](https://www.tiktok.com/@nateloans/video/7596376464975580429) 2026-01-17T17:00Z 39.4K followers, [----] engagements "Locked into a 2.75% mortgage and Zillow is feeling dangerous 😅 Low rates are a blessing until they arent. #housingmarket #mortgage #homeowners When your wife finds a house she really loves but you already have a 2.75% mortgage rate When your wife finds a house she really loves but you already have a 2.75% mortgage rate" [TikTok Link](https://www.tiktok.com/@nateloans/video/7598555192446979341) 2026-01-23T13:55Z 39.4K followers, [----] engagements "First home is clearly not the dream home anymore 😂 #housingmarket #costofliving Shopping for a house in [----] as a millennial making $75k😭 Shopping for a house in [----] as a millennial making $75k😭" [TikTok Link](https://www.tiktok.com/@nateloans/video/7598598831089011982) 2026-01-23T16:45Z 39.4K followers, [----] engagements "Replying to @T Heres what you would be approved for. Let me know where you live and if there are any homes in that price range #homebuyer #buyingahouse #getpreapproved #mortgage #realestate #firsttimehomebuyer #fha #renter #nateloans" [TikTok Link](https://www.tiktok.com/@nateloans/video/7259934541295586606) 2023-07-26T01:33Z 39.8K followers, [----] engagements "Replying to @user8269982061067 [-----] will definitely get you into a house and its possible to do it with even less a lot of my clients buy homes with no money out of their pocket. I feel like [-----] is a good goal for first time homebuyers because its enough in most areas in the country. . . . #buyingahouse #downpayment #firsttimehomebuyer #mortgagetips #realestate #greenscreen" [TikTok Link](https://www.tiktok.com/@nateloans/video/7427165081571478815) 2024-10-18T17:14Z 39.8K followers, [----] engagements "The most important factor of a mortgage preapproval is the debt to income ratio. Loan amounts are also important but ultimately you are committing to the monthly payment for [--] years. The max loan amount is derived from the debt to income ratio. Even though the ratio can go up t0 50% this is rarely advisable. When you figure out what monthly payment youre comfortable with that number will be used to determine the loan amount. . . . #buyingahouse #mortgage #preapproval #mortgagetips #homebuyertips #firsttimehomebuyer Debt to Income Ratio Debt to Income Ratio" [TikTok Link](https://www.tiktok.com/@nateloans/video/7433814562505346335) 2024-11-05T15:17Z 39.8K followers, [----] engagements "Minimum wage has increased 3x since the 70s yet home prices have gone up 11x. Makes a lot of sense 🤷♂ At least we can buy the things we really need like coffee and avocado toasts 😂 . . . #buyingahouse #boomer #millennial #housingmarket Minimum wage would need to be $66 today to match the homebuying power of Boomers getting minimum wage in the 1970s Minimum wage would need to be $66 today to match the homebuying power of Boomers getting minimum wage in the 1970s" [TikTok Link](https://www.tiktok.com/@nateloans/video/7476258912933645614) 2025-02-28T00:23Z 39.8K followers, 197K engagements "Mortgage hack to lower your closing costs and your monthly payment: Waive insurance from your escrow. Heres why it matters: 🔹 Insurance premiums go up yearly 🔹 When its escrowed the hike sneaks into your payment 🔹 Paying it yourself = control + savings 🔹 It costs nothing to waive More people should do this most dont even know its an option. 📩 DM me if youre closing soon and want to keep more money in your pocket. . . . #mortgagetips #buyingahouse #closingcosts #mortgage Mortgage Hack: Lower Your Closing Costs & Monthly Payment Mortgage Hack: Lower Your Closing Costs & Monthly Payment" [TikTok Link](https://www.tiktok.com/@nateloans/video/7519202859594927374) 2025-06-23T17:48Z 39.9K followers, 28.6K engagements "Your PMI rate can make just as big of a difference on your monthly mortgage payment as your interest rate and its not fixed. Unlike FHA mortgage insurance conventional PMI is based on your credit score debt-to-income ratio and down payment. Most lenders just give you the default rate but there are ways to reduce it: Boost your credit score before applying (or after with rescore) Document debts that are already paid off Pay down credit cards to lower your DTI Put more money down even just [--] to [--] percent PMI also goes away once you hit [--] percent equity so it pays to plan ahead. Want help" [TikTok Link](https://www.tiktok.com/@nateloans/video/7524085493500218637) 2025-07-06T21:34Z 39.9K followers, [----] engagements "Bought a Honda CRV in [----] and havent had a car payment in [--] yearssaving me at least $72k. And guess what I was still able to get to everywhere I needed to go Its amazing what happens when youre smart with your money. . . . #cars #savingmoney #wealthtips #bmw Driving a paid off 12yr old Honda because it costs nothing to run & who wants a $700 per month car payment Driving a paid off 12yr old Honda because it costs nothing to run & who wants a $700 per month car payment" [TikTok Link](https://www.tiktok.com/@nateloans/video/7529635790729596215) 2025-07-21T20:33Z 39.7K followers, 703.8K engagements "Thinking of refinancing Dont just focus on lowering your interest rateyour mortgage insurance (PMI) can change too and that can save you just as much money. ✅ Refi from FHA to Conventional: higher credit score = lower or no PMI ✅ Conventional to Conventional: 3% down at purchase 10%+ equity now = PMI reduced ✅ FHA multifamily loans: super high mortgage insurance big savings moving to Conventional The bottom line: your PMI is just as important as your rate. A smart refinance can cut both. 📲 Have questions about your options Lets talk. #mortgage #refinance #mortgagetips #pmi #FHA Do NOT ignore" [TikTok Link](https://www.tiktok.com/@nateloans/video/7549190913214483767) 2025-09-12T13:17Z 39.8K followers, [----] engagements "Thinking about refinancing your mortgage Its not just about dropping your interest rate. A smart refinance means looking at: Total refinance costs How long it takes to break even Extra savings from mortgage insurance (PMI/MIP) reductions If your break-even point is more than [--] months away it may make sense to wait especially with rates trending lower. Always compare the upfront costs against your monthly savings before making the move. 📉 Learn how to refinance the right way and avoid costly mistakes. 📲 DM me if you want a free review of your situation. . . . #refinance #mortgagetips" [TikTok Link](https://www.tiktok.com/@nateloans/video/7549983850978462990) 2025-09-14T16:33Z 39.8K followers, [----] engagements "The math isnt mathing. Rent up 100% wages up 20% but sure blame the latte. ☕📉 . . . #costofliving #housingmarket The average rent is $3K. Youre supposed to make 3x the rentwhich is $9K or $108K a year Average salary in the US is $58k. But go ahead blame my $8 coffee The average rent is $3K. Youre supposed to make 3x the rentwhich is $9K or $108K a year Average salary in the US is $58k. But go ahead blame my $8 coffee" [TikTok Link](https://www.tiktok.com/@nateloans/video/7569584850630462733) 2025-11-06T12:15Z 39.7K followers, 1.1M engagements "Boomers gave their kids the opportunity to buy the family house first but they couldnt come up with the money. . . . #housingmarket #costofliving #boomer POV: Boomers after selling their family home to private equity for [--] what they paid their adult kids couldnt come up with $2M POV: Boomers after selling their family home to private equity for [--] what they paid their adult kids couldnt come up with $2M" [TikTok Link](https://www.tiktok.com/@nateloans/video/7573415312373091598) 2025-11-16T19:59Z 39.7K followers, 410.9K engagements "Boomers love to say it was all hard work but home prices did most of the heavy lifting. When a $10k house turns into $1M thats not discipline thats decades of appreciation. Todays buyers are playing a completely different game. When Boomers say they built their wealth through hard work but they bought a $1M house for $10k Millennials: When Boomers say they built their wealth through hard work but they bought a $1M house for $10k Millennials:" [TikTok Link](https://www.tiktok.com/@nateloans/video/7581601215578918157) 2025-12-08T21:25Z 39.7K followers, 121.5K engagements "Im not leaving 😂 But seriously most first-time buyers in [--------] didnt plan on that home being their forever home. With rates more than doubling a lot of people had to get comfortable real fast. Thats one big reason inventory is still tight. Homeowners would rather renovate or add on than trade in a 3% rate for a 7% one. If you do sell youll likely have a much bigger down payment than todays buyers which helps offset higher rates. At the end of the day you have to do whats best for your family even if that means upgrading. . . . #mortgage #firsttimehomebuyer #interestrates Wife: Wife: Me:" [TikTok Link](https://www.tiktok.com/@nateloans/video/7594582863400422670) 2026-01-12T21:00Z 39.7K followers, 314.4K engagements "Lowering your mortgage payment is great. Lowering it while paying almost nothing in closing costs is even better. Most homeowners dont know you can take a slightly higher rate and get a lender credit that covers most of your refinance costs. The lowest rate is not always the best deal. This is the refinance strategy smart homeowners use. . . . #refinance #mortgagetips #closingcosts The refinance strategy most homeowners dont know about How to refinance with little to no money out of pocket The refinance strategy most homeowners dont know about How to refinance with little to no money out of" [TikTok Link](https://www.tiktok.com/@nateloans/video/7595351524449013005) 2026-01-14T22:43Z 39.8K followers, [----] engagements "They say your first home is the down payment for your dream home. For boomers its their whole retirement 🫠 . . . #buyingahouse #housingmarket #boomer #mortgage Boomers after they casually outbid a young family for their new home using the equity from the house they bought in [----] for $5k and sold for $1.2M Boomers after they casually outbid a young family for their new home using the equity from the house they bought in [----] for $5k and sold for $1.2M" [TikTok Link](https://www.tiktok.com/@nateloans/video/7595580919679814967) 2026-01-15T13:33Z 39.7K followers, 269.7K engagements "Boomers gaslight the younger generations into thinking its about hard work yet the median homebuyer is [--] years old. Boomers bought more homes than GenZ and Millennials combined. That coffee aint changing anything . . . #housingmarket #boomer #costofliving #firsttimehomebuyers POV: Boomers after selling their family home to an investor for 18x what they paid in [----] the first time buyer didnt have a chance POV: Boomers after selling their family home to an investor for 18x what they paid in [----] the first time buyer didnt have a chance" [TikTok Link](https://www.tiktok.com/@nateloans/video/7596739179141221645) 2026-01-18T16:28Z 39.7K followers, 36.3K engagements "When your offer gets accepted a loan Officer will send you a formal quote called a loan estimate. It looks super overwhelming because of how many numbers are on it but the truth is only the items in section A and B pertain to the lender. All the other costs will be exactly the same regardless of the lender you close with. But a lot of times lenders will lowball those other cost to make them look better than their competitors. If you find yourself paying more than $2000 in section A youre likely overpaying for your mortgage unless theres a prior discussion that happened. Let me know when the" [TikTok Link](https://www.tiktok.com/@nateloans/video/7600158340039068959) 2026-01-27T21:36Z 39.5K followers, [----] engagements "Timing matters. Some generations got lucky. Others just showed up late. . . . #housingmarket #costofliving #boomers Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackrock for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackrock for $2.4M the young family never stood a chance to" [TikTok Link](https://www.tiktok.com/@nateloans/video/7600763241442118943) 2026-01-29T12:43Z 39.7K followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@nateloans Nateloans
Nateloans posts on TikTok about mortgage rate, if you, inflation, money the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
- [--] Week [-------] -65%
- [--] Month [---------] -51%
- [--] Months [----------] +68%
- [--] Year [----------] +43%
Mentions: [--] #
- [--] Month [--] -21%
- [--] Months [---] +43%
- [--] Year [---] +139%
Followers: [------] #
- [--] Week [------] +0.46%
- [--] Month [------] +2.80%
- [--] Months [------] +18%
- [--] Year [------] +75%
CreatorRank: [-------] #
Social Influence
Social category influence finance 66% stocks 6% automotive brands 3% financial services 2% countries 1%
Social topic influence mortgage rate #84, if you 13%, inflation 13%, money 11%, how to 8%, housing market 7%, insurance 6%, more than 5%, in the 5%, market 5%
Top accounts mentioned or mentioned by @bugaboo79 @grupo @rafiti @victoria @user8269982061067
Top assets mentioned BlackRock Inc (BLK)
Top Social Posts
Top posts by engagements in the last [--] hours
"FHA can be a great tool but its not for everyone. Heres what most buyers are never told: [--] FHA is designed for lower credit scores If your credit is solid and your lender never even mentions Conventional financing thats a 🚩. [--] The 1.75% upfront fee is real money It gets rolled into your loan and even if you refinance later you dont get it back. [--] Mortgage insurance doesnt go away Unlike Conventional loans FHA mortgage insurance is permanent unless you refinance. Bottom line: FHA isnt bad but it shouldnt be the default if you qualify for better options. If you want to know which loan actually"
TikTok Link 2025-12-18T20:54Z [--] followers, 89.2K engagements
"Boomers bought homes at [---] income. Millennials need [--] or more. Yet coffee is the solution to all problems . . . #housingmarket #costofliving #millennial Boomers had $3 minimum wage and $300 rent. We have $7.25 minimum wage and $1800 rent. But somehow my $8 coffee is the solution Boomers had $3 minimum wage and $300 rent. We have $7.25 minimum wage and $1800 rent. But somehow my $8 coffee is the solution"
TikTok Link 2026-02-01T14:21Z [--] followers, 200.1K engagements
"Everyone loves a low rate. Thats exactly why lenders lead with it. But sometimes that great rate comes with higher costs on the back end just not always called discount points. Origination fees. Admin fees. Different names same money. A slightly higher rate with lower cost can be the better deal. Always compare the full loan not just the headline rate. . . . #buyingahouse #firsttimehomebuyer #mortgage #mortgagetips Watch out for these lender fees when buying a house Watch out for these lender fees when buying a house"
TikTok Link 2026-02-01T21:36Z [--] followers, [----] engagements
"Boomers say millennials are lazy. Productivity says we get 5x more done in half the time. Wages didnt keep up. Housing didnt wait. But sure blame the coffee. ☕ . . . #housingmarket #costofliving #boomer #buyingahouse Boomers: Just work harder 🥴 Boomers: Just work harder 🥴"
TikTok Link 2026-02-02T19:39Z [--] followers, [----] engagements
"Anyone that bought and held before the last housing crash is a lot better off from it. Theres nothing pointing to a housing crash now and even if we had one values will still recover in the long run. Thats why we say buy if you can afford to. . . . #buyingahouse #housingmarket #recession #firsttimehomebuyer #homeowner #inflation #wealth #realestate 2008: $245k 2024: $865k Real Estate is going to Crash 2008: $245k 2024: $865k Real Estate is going to Crash"
TikTok Link 2024-04-24T17:01Z 39.7K followers, 2.2M engagements
"He heard all your prayers for lower rates and delivered an economic collapse instead. 😂 🙏 Trumps playing 4d chess we just cant admit it . . . #buyingahouse #realestate #housingmarket #recession #trump #homebuyer When you realize Trump is crashing the economy on purpose to force the Fed to cut rates and make the American dream affordable again When you realize Trump is crashing the economy on purpose to force the Fed to cut rates and make the American dream affordable again"
TikTok Link 2025-03-14T00:52Z 39.9K followers, 100.1K engagements
"If youre buying a house you need to understand the mortgage pricing grid. This is what loan officers use to decide what rate to offer you and heres the secret: there isnt just one rate. There are options with points no points and even lender credits. The best choice depends on your goals and how long youll keep the loan. But most lenders dont break it downor worse they only show what benefits them. Know the grid and youll know how to save money. Reach out to me to learn more about how this works. . . . #buyingahouse #mortgagetips #mortgage #realestate #housingmarket #firsttimehomebuyer Dont"
TikTok Link 2025-04-14T21:48Z [--] followers, 41.2K engagements
"Lower your monthly payment by getting rid of PMI. You dont have to wait for your bank to tell you when its time. Once your loan balance is under 80% of your homes value you can request PMI removal. Most homes gain value every year and even more if youve made upgrades like a new kitchen or bathroom. If you think youre close reach out to your loan servicer and ask for it to be removed. As always you can reach out to me for advice by clicking the link in my bio . . . #buyingahome #homeowner #mortgagetips #pmi #realestate#greenscreen What mortgage lenders dont tell you about PMI What mortgage"
TikTok Link 2025-06-14T22:50Z 39.9K followers, 231.9K engagements
"Replying to @bugaboo.79 Mortgage rates could still move lower this year but not every buyer will benefit. Your lenders float down policy decides if you can capture a lower rate after locking or if you are stuck paying more than you should. In this video I explain how float downs work the fine print to watch for and what you need to ask your lender before locking your rate. . . . #mortgage #mortgagetips #interestrates Dont lock your mortgage rate until you know the lenders float down policy Dont lock your mortgage rate until you know the lenders float down policy"
TikTok Link 2025-08-25T21:17Z 39.8K followers, [----] engagements
"The Loan Estimate is one of the most important documents in the homebuying process but also one of the most confusing. Heres what to look for: ✅ Is your rate locked ✅ Which loan program is listed ✅ Section A: Lender fees (watch if theyre $2k+) ✅ Section B: Third-party fees (common with brokers) ✅ Section J: Lender credits Most buyers skim right past this and miss thousands in hidden costs. If you want someone to break it down line by line and show you whats really worth paying click the link in my bio to set up a free call. . . . #mortgage #mortgagetips #buyingahouse Loan estimate red flags"
TikTok Link 2025-08-28T20:38Z 39.8K followers, 82.3K engagements
"Be careful what you wish for Lower rates will be nice at first but eventually will bring millions of more buyers to the marketdriving prices up. Im not even sure we will see rates that low next year but if we do it wont make buying a home any easier. . . . #buyingahouse #interestrates #housingmarket POV: Homebuyers in [----] when the interest rate is 5.5% POV: Homebuyers in [----] when the interest rate is 5.5%"
TikTok Link 2025-09-26T18:15Z 39.8K followers, 181.1K engagements
"My unborn grandkids are already in debt 😂 . . . #mortgage #debt Me pulling up to my [--] year mortgage house with my [--] year loan car Me pulling up to my [--] year mortgage house with my [--] year loan car"
TikTok Link 2025-11-13T12:17Z 39.8K followers, 644K engagements
"Self-employed buyers we need to talk 😂 If your tax returns say you made $12k last year lenders cant magically approve you for a $600k home. There are ways to qualify but you have to structure your income the right way. If you want me to look at your numbers and tell you exactly what you qualify for Ill do a free 15-minute call link in bio. . . . #mortgage #mortgagetips #taxes POV : Me being self employed trying to buy a $650k home Mortgage Lender: Please tell me you didnt file your taxes showing $13500 a year POV : Me being self employed trying to buy a $650k home Mortgage Lender: Please"
TikTok Link 2025-11-20T21:08Z 39.8K followers, 236.1K engagements
"Mortgage rates just broke below 6% for the first time in a while If youre buying a house or already own one with a 6.75%+ mortgage rate call me so we can come up with a plan for [----] . . . #mortgage #mortgagetips #buyingahouse #refinance #CapCut Every Realtor and Lender now that rates are 6% Every Realtor and Lender now that rates are 6%"
TikTok Link 2026-01-09T20:47Z 39.8K followers, [----] engagements
"Boomers love bringing up their 12% rate like their house didnt cost $80k 😭 Starter homes are $600k Rent is $2800 Student loans are six figures But yeah tell me more about [----]. #housingmarket #millennials #realestate Millennial: When youre facing $600k starter homes $2800 rent and $150k in student loans and a boomer tells you about their 12% rate in [----] Millennial: When youre facing $600k starter homes $2800 rent and $150k in student loans and a boomer tells you about their 12% rate in 1987"
TikTok Link 2026-01-22T15:57Z 39.8K followers, [----] engagements
"Self-employed doesnt mean broke it just means your tax return tells a different story 😅 This is why strategy matters. Talk to your loan officer before filing please 🙏 . . . #selfemployed #mortgage #housingmarket #homebuying POV: Me being self employed trying to buy a $750k house Mortgage Lender: Please dont tell me you filed taxes showing only $9500 a year POV: Me being self employed trying to buy a $750k house Mortgage Lender: Please dont tell me you filed taxes showing only $9500 a year"
TikTok Link 2026-01-26T12:30Z 39.7K followers, 299.5K engagements
"When being patient goes wrong 😭 . . . #buyingahouse #housingmarket #mortgage When you spent [--] years waiting for rates to drop and now theyre 5.99% but it doesnt help because the $300k house is $495k When you spent [--] years waiting for rates to drop and now theyre 5.99% but it doesnt help because the $300k house is $495k"
TikTok Link 2026-01-29T18:36Z 39.9K followers, [---] engagements
"They say renting gives you freedom but the only ones enjoying it are the landlords . . . #rent #buyingahouse #landlord Them: Renting is cheaper🥴 Me enjoying my 5th tenant funded vacation in [--] months Them: Renting is cheaper🥴 Me enjoying my 5th tenant funded vacation in [--] months"
TikTok Link 2026-01-31T14:50Z 39.9K followers, [----] engagements
"Why dont millennials just save more 🤔🏡 . . . #housingmarket #boomer Old people after they sell their house for $2.7 million that they bought in [----] for $35k Old people after they sell their house for $2.7 million that they bought in [----] for $35k"
TikTok Link 2026-01-31T16:41Z 39.9K followers, [----] engagements
"Or just stop drinking $8 coffees and buying $1500 smartphones as boomers say 😂 The point here is none of these things will ever happen so the best thing you can do for yourself and your family is stop waiting a buy a home if you can afford it. Prices will keep going up faster than our wages. If rates come down just refinance . . . #housingmarket #costofliving #firsttimehomebuyer Lender: No big deal you just need a 2.65% rates 56% raise or a 35% housing market crash POV: Me who didnt buy a house in [----] Lender: No big deal you just need a 2.65% rates 56% raise or a 35% housing market crash"
TikTok Link 2026-02-03T19:40Z 39.8K followers, [----] engagements
"That check engine light in a BMW would cost thousands to fix. Just saying Car loans are one of the biggest obstacles keeping first-time buyers from qualifying for a mortgage. A $600 car payment can drop your pre-approval by $100000. The average new car payment is $750. You do the math. My Honda isnt fancy but its paid off and gets me everywhere I need to go 🤷♂ What car are you driving . . . #cars #savingmoney #bmw Driving a [--] year old Honda with 125k miles because it cost me nothing to run and who wants a $750 a month car payment Driving a [--] year old Honda with 125k miles because it cost"
TikTok Link 2026-02-04T12:34Z 39.8K followers, [----] engagements
"At this point its just background noise. . . . #millennial #recession #economy POV: Millennials realizing theyre about to live through their 4th once in a generation economic collapse POV: Millennials realizing theyre about to live through their 4th once in a generation economic collapse"
TikTok Link 2026-02-06T00:58Z 39.9K followers, [---] engagements
"Just budget better doesnt work when home prices outpace income for decades. This is a housing affordability issue not a lifestyle one. . . . #housingmarket #costofliving #millennials We werent spending money on $1k smartphones or $8 coffees Your generation is just too soft We werent spending money on $1k smartphones or $8 coffees Your generation is just too soft"
TikTok Link 2026-02-07T16:51Z [--] followers, [----] engagements
"Lenders will bait you with a lower rate with the hope that you dont notice the extra thousands of dollars in the loan estimate. Thats why it is so important that you learn how to read the fine print. There are a bunch of costs but only a few actually differentiate your lender from another and those are found in section A. Even though this seems simple people reach out to me every day for my FREE advice. If you want to do the same send me a DM or schedule a [--] min call using the link in my bio . . . #mortgagetips Avoid getting ripped off when buying your house Avoid getting ripped off when"
TikTok Link 2025-11-18T21:18Z [--] followers, 102.6K engagements
"Promises vs reality . . . #housingmarket #costofliving #mortgage Blackrock When the government says its banning corporations from buying homes Trump Blackrock When the government says its banning corporations from buying homes Trump"
TikTok Link 2026-01-08T21:39Z [--] followers, 27.6K engagements
"#greenscreen the Fed just held rate steady and signaled patients on future cuts that matters if youre buying or refinancing in [----] mortgage rate rates react to expectation is not headlines. . . . #fed #interestrates #housingmarket #economy No Fed rate cut in Jan and possibly for all of [----] because of strong economy and job market No Fed rate cut in Jan and possibly for all of [----] because of strong economy and job market"
TikTok Link 2026-01-28T21:14Z [--] followers, [----] engagements
"Somehow this is a six-figure skill . . . #boomer #workplace #corporatelife POV: Boomers coworkers who make 5x your salary when they have to save a pdf POV: Boomers coworkers who make 5x your salary when they have to save a pdf"
TikTok Link 2026-02-08T19:44Z [--] followers, [----] engagements
"Success is supposed to skip generations but millennials are still waiting for their bag 😭 With the cost of living so high boomers need every dollar they can get lol. . . . ##boomers##buyingahouse##wealth##mortgage##homeowner##millennial Boomers when its time to pass down generational wealth to their kids Boomers when its time to pass down generational wealth to their kids"
TikTok Link 2025-03-06T01:04Z [--] followers, 1.7M engagements
"When boomers blame the current unaffordable housing market on smartphones coffee and avocado toast 🫠 . . . #housingmarket #buyingahouse #costofliving Boomers: you got it easy kid just stop drinking $8 coffee and buying $1k smartphones Boomers: you got it easy kid just stop drinking $8 coffee and buying $1k smartphones"
TikTok Link 2025-12-15T17:52Z [--] followers, 2.4M engagements
"Homebuyers make the mistake of shopping the mortgage rate instead of the deal. Getting a lower than average rate usually means you are paying more closing costs. Problem is lose officers often hide that fact from you. Thats why its important you understand how a mortgage pricing grid works. Lenders dont have just one rate every rate is associated with a cost. If you need free advice to renew your lenders offer feel free to send me a DM or schedule a [--] minute FREE call by clicking the link in the bio . . . ##mortgagetips##mortgageadvice##interestrates Dont overpay for your mortgage understand"
TikTok Link 2025-12-27T20:38Z [--] followers, 16.5K engagements
"When shopping lenders you only need to compare section A and B of the loan estimate. Every other section comes from the title company in other words the lender has no control over. So if one lender has a cheaper section C that doesnt mean they are cheaper. They either lowballed their quote to look better or the fees are correct which means the other lender will have them too once they get the quote from the title company. But lenders know buyers look at cash to close and use that to gaslight them into thinking their offer is cheaper. Dont fall for that trick. . . . #mortgagetips #mortgage"
TikTok Link 2026-01-08T19:40Z [--] followers, 29.7K engagements
"How to know if refinancing actually makes sense. Its not about rates. Its about math. If the monthly savings pay for the cost of the loan in under [--] months its usually a smart move. Plus you might be able to drop PMI too. Always run the numbers. . . . #refinance #mortgagetips #interestrates How to know if its worth refinancing your mortgage How to know if its worth refinancing your mortgage"
TikTok Link 2026-01-11T21:26Z [--] followers, 35.6K engagements
"Replying to @Grupo Inovado official STOP waiting [--] months to refinance just because your LO told you to 🛑💸 Ever wonder why loan officers are so persistent about that 6-month rule Most of the time its not for youits for them. If you refinance before making [--] payments that LO might lose their entire commission to a clawback or EPO penalty. 📉🏃💨 The truth about [----] refinancing: ✅ Conventional Loans: Most have ZERO prepayment penalties. If the math makes sense and rates dropped you can technically refi whenever you want 🏠✨ ✅ The VA Catch: If you have a VA loan there is a real ruleyou MUST"
TikTok Link 2026-01-13T13:46Z [--] followers, [----] engagements
"Millennials get more work done on their morning commute than boomers did all day. . . . #workfromhome #boomer #worklifebalance Cant open .pdf POV: Boomers when you mention WFH Cant open .pdf POV: Boomers when you mention WFH"
TikTok Link 2026-01-13T16:59Z [--] followers, 105.8K engagements
"Renting might seem cheaper but remember that rents always go up over time. A mortgage goes up very little in [--] years meanwhile youre building equity with each payment while the property value goes up. Yes there is maintenance but theres also slumlords rising rents and moving costs. After [--] years you will own a house outright with renting you will have nothing . . . #housingmarket #rent #costofliving #buyingahouse Blackstone: Renting is cheaper What if your fridge breaks🥴 Blackstone: Renting is cheaper What if your fridge breaks🥴"
TikTok Link 2026-01-24T19:09Z [--] followers, [----] engagements
"When youre buying a house the vast majority of closing cost will be the same regardless of the lender you work with only the costs in section A and B of the loan estimate actually come from the lender and thats how you can compare their numbers with someone else to know if youre getting a good deal. The cost of the loan is in section A and should not be more than $2000 unless you agreed to buy down the rate. Even if it is less than $2000 you might still have a high rate which is why it always makes sense to review your numbers with another lender. If you want me to take a look at your loan"
TikTok Link 2026-01-30T22:23Z [--] followers, 21.2K engagements
"Refinancing your mortgage might lower your monthly payment but that doesnt mean it makes financial sense to figure that out you need to know how much the refinance is going to cost you and how much money youre going to save per month with those two pieces of information you can calculate your breakeven point and if its less than [--] months then if likely makes sense to proceed. If the refinance is going to take longer than [--] months to pay for itself most of the time it makes sense to hold off. But you cant figure out the numbers without talking to a loan officer and providing them with the"
TikTok Link 2026-02-06T21:10Z [--] followers, [----] engagements
"Most people think their credit disqualifies them from buying a house. It usually doesnt. [--] FHA loans allow credit scores as low as [---] [--] Your mortgage pre-approval should start with a soft credit check if your score is already borderline even a few points can matter [--] We use a credit tool that shows you exactly how to raise your score and its usually not hard Even if you already qualify 📈 a higher score = better rate lower payment better deal Credit isnt the problem. Not knowing how it works is. . . . #mortgagetips #creditscore #mortgagetips Improve your credit score in one week to buy a"
TikTok Link 2026-02-09T21:20Z [--] followers, [---] engagements
"The President just announced a plan to ban large institutional investors from buying single-family homes in an effort to support housing affordability. Now institutions only own around 1% of single-family homes today but this would still be a major shift in housing policy and market direction. And as Dave Ramsey says in this clip: you can fully support free enterprise but when corporate ownership starts limiting ordinary families from building wealth through homeownership something has to change. . . . #housingmarket #costofliving #buyingahouse Trump to ban large institutions from buying"
TikTok Link 2026-01-07T21:20Z 38.8K followers, [----] engagements
"Decembers jobs report just came in weaker than expected and prior months were revised sharply lower. This is now the slowest job growth outside of recessions this century. The bond market hasnt reacted yet but historically this is the type of data that eventually brings mortgage rates down. . . . #economy #interestrates #mortgage #inflation Dec Jobs Report - What It Means for Mortgage Rates Dec Jobs Report - What It Means for Mortgage Rates"
TikTok Link 2026-01-09T15:39Z 38.8K followers, [---] engagements
"Mortgage rates just hit their lowest levels and now is the ideal time to refinance. If you have a rate thats 7% or higher. If youre in the market to buy your first home these lower rates represents significant savings. I break it all down in my video. its a great start to [----] . . . #mortgage #mortgagerates #refinance Mortgage rates reached their lowest levels in years Mortgage rates reached their lowest levels in years"
TikTok Link 2026-01-09T19:07Z 38.8K followers, [----] engagements
"Is it over for Blackrock blackstone private equity and wall street #finance #housingmarket #realestate"
TikTok Link 2026-01-09T20:56Z 39.2K followers, [---] engagements
"But the interest rate was 17% and we didnt buy $1500 cell phones #housingmarket #costofliving #boomer They bought it for $10k and a bag of peanuts back in [----] POV: Boomers when theyre offered $1.49M for their $1.5 million house They bought it for $10k and a bag of peanuts back in [----] POV: Boomers when theyre offered $1.49M for their $1.5 million house"
TikTok Link 2026-01-11T01:09Z 38.9K followers, [---] engagements
"Everything is fine. . . . #housingmarket #economy #recession #inflation POV: The Stock Market while the real economy is on life support POV: The Stock Market while the real economy is on life support"
TikTok Link 2026-01-14T18:16Z 39K followers, [---] engagements
"Mortgage lenders love sending quotes instead of real Loan Estimates because quotes arent regulated. They can put whatever numbers they want on them to look cheaper and win your business. If youre shopping a mortgage always ask for a Loan Estimate. Thats the only document that actually matters. . . . #mortgage #mortgagetips #firsttimehomebuyer #greenscreen How lenders trick you into thinking they have the best mortgage offer How lenders trick you into thinking they have the best mortgage offer"
TikTok Link 2026-01-15T23:29Z 39.3K followers, [----] engagements
"When boomers tell you to work harder show them this. They bought a car and a living room for $3000. But yeah its the coffee. . . . #housingmarket #costofliving #boomers #thenandnow Boomers: you kids got it easy we didnt waste money on $8 coffee and $1500 smartphones Boomers: you kids got it easy we didnt waste money on $8 coffee and $1500 smartphones"
TikTok Link 2026-01-16T20:46Z 39.3K followers, [----] engagements
"Coffee thought ☕ Life was more affordable during the Great Depression. In the 1930s 48% of young adults lived with their parents. In [----] it hit 52%. Let that sink in. . . . #costofliving #housingmarket #economy During the Great Depression 48% of young adults lived lived with their parentsToday its 52%. Life was more affordable during the Great Depression than it is now. But go ahead blame my $8 coffee During the Great Depression 48% of young adults lived lived with their parentsToday its 52%. Life was more affordable during the Great Depression than it is now. But go ahead blame my $8 coffee"
TikTok Link 2026-01-17T19:34Z 39.3K followers, 37.9K engagements
"Minimum wage hasnt changed since [----]. Cost of living almost doubled . . . #costofliving #housingmarket #inflation Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps"
TikTok Link 2026-01-19T21:31Z 39.1K followers, [---] engagements
"Minimum wage hasnt changed since [----]. Cost of living almost doubled . . . #costofliving #housingmarket #inflation Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps Boomers: you got it easy kid just stop complaining and pull yourself up by the bootstraps"
TikTok Link 2026-01-20T01:21Z 39.3K followers, [----] engagements
"As if graduating in [----] wasnt bad enough How many once-in-a-generation crashes does one generation get . . . #recession #economy #millennials POV: Millennials trying to outrun their 5th once in a generation economic collapse POV: Millennials trying to outrun their 5th once in a generation economic collapse"
TikTok Link 2026-01-21T02:04Z 39.3K followers, [---] engagements
"In my defense I was still in diapers. How old were you in [----] . . . #costofliving #housingmarket #millennial Realizing you should have bought a house in [----] but you werent even born yet Realizing you should have bought a house in [----] but you werent even born yet"
TikTok Link 2026-01-21T19:36Z 39.3K followers, [----] engagements
"Everyone loves a free refinance but heres what they dont tell you. If you roll $10000 of closing costs into your loan: Youre borrowing that money at mortgage rates Youre paying interest on it for decades It can keep mortgage insurance on you longer And it literally increases your monthly payment Free refi = financed refi. Know the difference before you sign. . . . #mortgage #refinance #mortgagetips [--] reasons to avoid a free refinance [--] reasons to avoid a free refinance"
TikTok Link 2026-01-21T21:06Z 39.3K followers, [---] engagements
"Markets finally caught a breather after Trump announced a framework for a Greenland deal and ruled out using force. The plan gives the U.S. long-term access to critical minerals easing investor nerves after tariff threats on European countries pushed mortgage rates up nearly a quarter percent. Rates had climbed to 5.99% during the uncertainty now theyre starting to cool as tensions ease. Geopolitics moves markets. Markets move mortgage rates. . . . #economy #mortgage #stockmarket#greenscreen Greenland deal on the table and markets are relieved 😮💨 Greenland deal on the table and markets are"
TikTok Link 2026-01-21T21:36Z 39.3K followers, [----] engagements
"Timing matters. Some generations got lucky. Others just showed up late. . . . #housingmarket #costofliving #boomers POV: Boomers after selling their $30k house to Blackstone for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackstone for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent"
TikTok Link 2026-01-29T00:11Z 39.3K followers, [---] engagements
"The mortgage payment on this $429k condo is less than rent. #openhouse #citylife #firsttimehomebuyer #renters #realestate #boston #roxburyma #nateloans"
TikTok Link 2023-04-08T21:28Z 39.4K followers, [---] engagements
"Never let go of that rate buddy 💪🏼 . . . #interestrates #mortgageadvice #neverselling #foreverhom #refinance #realestate When someone with a 2.875% interest rate tells me theyre planning to sell When someone with a 2.875% interest rate tells me theyre planning to sell"
TikTok Link 2023-11-15T23:44Z 39.5K followers, [----] engagements
"Unemployment might be rising but rates are dropping like its hot Rate hikes are out of the picture moving forward. . . . #buyingahouse #interestrates #inflation #earlychristmas #mortgage #mortgageadvice #inflation Every Realtor and Lender now that rates are 7% Every Realtor and Lender now that rates are 7%"
TikTok Link 2023-12-14T12:46Z 39.4K followers, [----] engagements
"Jaydens needs a gift 😂 . Credit: behindclosedloans . . . #preapproval #underwriting #buyingahouse #mortgage #mortgagetips #mortgage101 #firsttimehomebuyer #realestate"
TikTok Link 2024-01-22T21:03Z 39.5K followers, [----] engagements
"2020 was a great time to buy but now isnt bad either . . . #interestrates #mortgagebroker #loanofficer #mortgage #realestate #mortgagetips #buyingahouse #housingcrisis Asking my mortgage lender to give me the 2.875% interest rate he gave my brother back in [----] Your rate in the comments Asking my mortgage lender to give me the 2.875% interest rate he gave my brother back in [----] Your rate in the comments"
TikTok Link 2024-03-01T15:54Z 39.4K followers, [----] engagements
"Inflation report came out and month over month we had deflation and overall things are normalizing after a chaotic past couple of years. If the trend continues this way I can easily see the fat cutting rates in September and possibly even December as well . . . . ##buyingahouse##firstimehomebuyer##housingmarket##realestate##economy#greenscreen"
TikTok Link 2024-07-12T00:12Z 39.5K followers, [---] engagements
"Replying to @rafiti homes appreciated [--] out of last [--] years yet real estate professionals are sleezy for helping you make the best financial decision of your life . . . #buyingahouse #realestate #housingmarket #generationalwealth #economy #realtors #mortgagetips"
TikTok Link 2024-07-30T22:53Z 39.3K followers, [----] engagements
"The September job numbers were announced it was a major blow. Over [------] more jobs were created than what analyst anticipated which indicates the economy is strong. The good news is inflation is continuing to go lower which Almost solidifies the soft landing as a fact. The fad will continue to cut rates but not as aggressively as a market thought going into this meeting. even though we wanted to see lower interest rates for homebuyers. I think this is good news overall because it means were avoiding a recession and we know that interest rates will go lower overtime. . . ."
TikTok Link 2024-10-04T15:46Z 39.4K followers, [----] engagements
"Existing home sales havent been this low since [----] even though we are seeing conditions improve slightly. Many peopld are sidelined because of the election and excitement of lower rates has evaporated . . . #buyingahouse #mortgage #housingmarket #election #realestate #economy"
TikTok Link 2024-10-24T10:52Z 39.5K followers, [----] engagements
"Another reason why I dont think housing will crash next year is that Mortgage rates will be going down and the lower the rates are the more people can afford to buy home. Its simple supply man if theres more demand with a low supply prices will be driven up. Of course anything can happen and has a Crystal but historically this is the outcome of lower interest rates so be prepared get preapproved and if you have any questions reach out to me. . . . #buyingahouse #mortgagetips #housingmarket #homeprices #realestate"
TikTok Link 2024-11-03T17:58Z 39.4K followers, [----] engagements
"Just concluded their November meeting and cut the federal funds rate by a quarter percent. Unlike last time when mortgage rates and the ten year treasury spiked on news of a cut today rates came down. It seems like the fed wants to keep the [--] year treasury from reaching 5%. They referenced three and six month PCE being at 2.3% when a journal was brought up 2.7% annual inflation figure. I believe theyll cut rates again by quarter in December when they have their next meeting but as always we need to stay tuned to upcoming economic data is what makes the fed bases their decision on . . ."
TikTok Link 2024-11-07T22:14Z 39.5K followers, [----] engagements
"Even though most of us know that long-term investing will set us and our family up for a financially successful future the majority of us will choose temporary gratification like buying a BMW instead. You dont realize it now but these decisions pile up and lead to a difficult retirement. . . . #buyingahouse #saving #investing #realestateinvesting #firsttimehomebuyer #homebuyertips #moneytips Financial Advisor: Invest $600 a month until your son turns [--] and you'll have $345k to help him buy a house Me financing a BMW M3 with $1200 payments because Im just a chill guy that likes when my car"
TikTok Link 2024-12-02T02:12Z 39.4K followers, 1.3M engagements
"President Trump said he will demand mortgage rates to go down which sounds great to people in the market for a home but could be problematic in the long run. Theres been an up to inflation and analyst dont believe Ray cuts are warranted currently due to the strong economy if Trump demands are successful and rates got caught that could lead to inflation spiraling out of control . . . #buyingahouse #housingmarket #interestrates #trump #inflation #mortgage President Trump Demands lower interest rates President Trump Demands lower interest rates"
TikTok Link 2025-01-24T02:05Z 39.5K followers, 21.8K engagements
"No loan is safe from an angry underwriter even the perfect loan can be unalived 🤣 Its always the best loans that get scrutinized the most Jk I love you underwriters POV: Underwriters denying a buyer with a $200K salary and [---] credit score because they tranferred $150 between their own accountstoo risky POV: Underwriters denying a buyer with a $200K salary and [---] credit score because they tranferred $150 between their own accountstoo risky"
TikTok Link 2025-03-05T02:15Z 39.5K followers, [----] engagements
"Are you still waiting for a housing crash . Most of the time you dont realize a good deal until youre looking back on it. In the moment it always feels risky. Thats exactly what happened to a lot of buyers who passed on low mortgage payments thinking they could wait for a better deal. Now Theyre facing monthly payments that are two to three times higher for the same house. Timing the market rarely works. Its about time in the market. . DM me or link in the bio to Book a free [--] min consultation . . . #housingmarket #buyingahome #firsttimehomebuyer #mortgagetips #homebuyertips *they passed on"
TikTok Link 2025-03-26T20:18Z 39.4K followers, [----] engagements
"Most renters will be happy if home prices crash but what they dont realize is it wont make buying a home easier for them . . . #housingcrash #homeowners #housingmarket #Meme #MemeCut Homeowners Renters How renters will react if home prices ever crash Homeowners Renters How renters will react if home prices ever crash"
TikTok Link 2025-04-20T12:38Z 39.4K followers, 82.1K engagements
"Trump is putting more pressure on drone power to cut the rates or just resign to prevent a market slow down and its spooking the economy out right now. To me he sounds a little bit desperate and I dont think its fair to blame the fed at this stage for an economic slowdown when the market is dropped 9% since hes taken office. Plus he did say we need to go through temporary pain . . . #economy #housingmarket #news #interestrates #trump Trump is pressuring the Fed to cut rates to prevent a slowdown which is spooking the market Trump is pressuring the Fed to cut rates to prevent a slowdown which"
TikTok Link 2025-04-21T22:53Z 39.4K followers, [----] engagements
"Do you think this is a dead cat bounce Feels like yesterday that the market was on the brink of collapsing due to the liberation day tariffs and now we just saw the biggest winning streak in the S&P [---] in the last [--] years. Meanwhile mortgage rates are lower. While a recession is still highly likely they are not the end of the world and for homebuyers will present an opportunity to refinance their higher interest rate Mortgage. #greenscreen Is the Trump trade back Markets have rebounded and rates are lower Is the Trump trade back Markets have rebounded and rates are lower"
TikTok Link 2025-05-03T18:08Z 39.5K followers, [----] engagements
"Replying to @Victoria Troester Some lenders sneak in points by labeling them as origination fees. Theyre basically the same thing and it costs you big. In this market I wouldnt buy points unless the sellers covering them and even then Id prioritize other costs first. 👉 Send me your loan estimate if youre not sure what youre being charged. Ill break it down for you. #mortgagetips #buyingahouse #mortgage Look out for hidden lender fees when buying a house Look out for hidden lender fees when buying a house"
TikTok Link 2025-06-27T20:51Z 39.4K followers, 261.4K engagements
"Some loan officers lowball the closing costs on your Loan Estimate just to look cheaper than other lenders. But that deal can backfireI've seen it firsthand. You could get hit with a surprise at the closing table or worse the whole deal could fall apart if you don't have the funds to close. A low estimate doesnt mean a better deal it means youre being misled. #mortgage #nortgagetips #buyingahouse Low Closing Costs Dont Fall for It Low Closing Costs Dont Fall for It"
TikTok Link 2025-07-22T20:49Z 39.5K followers, [----] engagements
"Most people look at the interest rate and think theyre getting a great deal. But hidden fees can wipe out those savings fast. In this example the buyer is paying 2.5% in points and $3000 in origination. Meanwhile most lenders would charge closer to $1500 total. Page [--] Section B of your Loan Estimate is where the truth lives. 📄 Understand your fees. 💸 Spot the junk charges. 🤝 Make sure your loan officer is actually working for you. Reading a Loan Estimate isnt easy but its worth it. DM me to have me look over your quote for FREE . . . #mortgagetips #mortgage #buyingahouse #closingcosts"
TikTok Link 2025-07-31T22:13Z 39.4K followers, 18.2K engagements
"Todays jobs report came in stronger than expected and GDP is holding up too. That combo is pushing down the odds of two Fed rate cuts in 2025the market already shaved about 12% off those chances. But the real test comes tomorrow with the PCE inflation report. If youve been waiting on lower mortgage rates this is a reminder that betting on Fed cuts might not be the winning strategy. 📉🏡 #interestrates #Fed #HousingMarket #Inflation The fed may not cut rates again if tomorrows inflation report comes in hotter than expected The fed may not cut rates again if tomorrows inflation report comes in"
TikTok Link 2025-09-25T16:59Z 39.5K followers, [----] engagements
"The Fed finally cut rates todaybut mortgage rates jumped. Why Because its not just about what they did its what Powell said. His hawkish tone spooked the markets and made traders doubt another cut in December. But I still think well see onejobs data keeps softening and another 0.25% wont change inflation. The Feds just trying to keep markets from running wild too soon. . . . #fed #interestrates #economy Fed rate cut in Oct leads to higher mortgage rates Fed rate cut in Oct leads to higher mortgage rates"
TikTok Link 2025-10-29T22:33Z 39.4K followers, [----] engagements
"Todays PPI came in cooler than expected and rate cut odds jumped back to 85%. This isnt just about one inflation report. Fed members like Williams and Waller shifted tone this week and thats pushing markets toward a September cut. The 10-year just slipped under 4% again. Big moves ahead. . . . #inflation #interestrates #fed Inflation report and dovish Fed comments points to Dec Rate cut 11/25 Inflation report and dovish Fed comments points to Dec Rate cut 11/25"
TikTok Link 2025-11-25T18:19Z 39.4K followers, [----] engagements
"Todays Fed meeting was bigger than just a quarter-percent rate cut. Jerome Powell admitted the labor market might be much weaker than reported payrolls may have been overstated by [-----] jobs per month. The Fed also signaled new quantitative easing by buying short-term bonds and said were now in the high range of neutral which leaves room for more cuts in [----]. Powell also said housing will be a problem for a while because millions of homeowners are locked into ultra-low pandemic mortgage rates while todays rates remain high. For homebuyers and homeowners this matters: softer labor data = less"
TikTok Link 2025-12-10T23:44Z 39.4K followers, [----] engagements
"Jessicas loan officer isnt charging you points doesnt mean theyre giving you a good deal. Loan officers know youre looking for points so a lot of times they will add additional charges under different names such as origination fees administration fees processing fees. It honestly doesnt matter what they call it. The bottom line is if youre paying more than $2000 in section A youre likely buying down your rate without knowing it. if you want me to review your loan estimate or go over your situation send me a DM or drop a comment . . . #buyingahouse #mortgage #mortgagetips #greenscreen Watch"
TikTok Link 2026-01-17T17:00Z 39.4K followers, [----] engagements
"Locked into a 2.75% mortgage and Zillow is feeling dangerous 😅 Low rates are a blessing until they arent. #housingmarket #mortgage #homeowners When your wife finds a house she really loves but you already have a 2.75% mortgage rate When your wife finds a house she really loves but you already have a 2.75% mortgage rate"
TikTok Link 2026-01-23T13:55Z 39.4K followers, [----] engagements
"First home is clearly not the dream home anymore 😂 #housingmarket #costofliving Shopping for a house in [----] as a millennial making $75k😭 Shopping for a house in [----] as a millennial making $75k😭"
TikTok Link 2026-01-23T16:45Z 39.4K followers, [----] engagements
"Replying to @T Heres what you would be approved for. Let me know where you live and if there are any homes in that price range #homebuyer #buyingahouse #getpreapproved #mortgage #realestate #firsttimehomebuyer #fha #renter #nateloans"
TikTok Link 2023-07-26T01:33Z 39.8K followers, [----] engagements
"Replying to @user8269982061067 [-----] will definitely get you into a house and its possible to do it with even less a lot of my clients buy homes with no money out of their pocket. I feel like [-----] is a good goal for first time homebuyers because its enough in most areas in the country. . . . #buyingahouse #downpayment #firsttimehomebuyer #mortgagetips #realestate #greenscreen"
TikTok Link 2024-10-18T17:14Z 39.8K followers, [----] engagements
"The most important factor of a mortgage preapproval is the debt to income ratio. Loan amounts are also important but ultimately you are committing to the monthly payment for [--] years. The max loan amount is derived from the debt to income ratio. Even though the ratio can go up t0 50% this is rarely advisable. When you figure out what monthly payment youre comfortable with that number will be used to determine the loan amount. . . . #buyingahouse #mortgage #preapproval #mortgagetips #homebuyertips #firsttimehomebuyer Debt to Income Ratio Debt to Income Ratio"
TikTok Link 2024-11-05T15:17Z 39.8K followers, [----] engagements
"Minimum wage has increased 3x since the 70s yet home prices have gone up 11x. Makes a lot of sense 🤷♂ At least we can buy the things we really need like coffee and avocado toasts 😂 . . . #buyingahouse #boomer #millennial #housingmarket Minimum wage would need to be $66 today to match the homebuying power of Boomers getting minimum wage in the 1970s Minimum wage would need to be $66 today to match the homebuying power of Boomers getting minimum wage in the 1970s"
TikTok Link 2025-02-28T00:23Z 39.8K followers, 197K engagements
"Mortgage hack to lower your closing costs and your monthly payment: Waive insurance from your escrow. Heres why it matters: 🔹 Insurance premiums go up yearly 🔹 When its escrowed the hike sneaks into your payment 🔹 Paying it yourself = control + savings 🔹 It costs nothing to waive More people should do this most dont even know its an option. 📩 DM me if youre closing soon and want to keep more money in your pocket. . . . #mortgagetips #buyingahouse #closingcosts #mortgage Mortgage Hack: Lower Your Closing Costs & Monthly Payment Mortgage Hack: Lower Your Closing Costs & Monthly Payment"
TikTok Link 2025-06-23T17:48Z 39.9K followers, 28.6K engagements
"Your PMI rate can make just as big of a difference on your monthly mortgage payment as your interest rate and its not fixed. Unlike FHA mortgage insurance conventional PMI is based on your credit score debt-to-income ratio and down payment. Most lenders just give you the default rate but there are ways to reduce it: Boost your credit score before applying (or after with rescore) Document debts that are already paid off Pay down credit cards to lower your DTI Put more money down even just [--] to [--] percent PMI also goes away once you hit [--] percent equity so it pays to plan ahead. Want help"
TikTok Link 2025-07-06T21:34Z 39.9K followers, [----] engagements
"Bought a Honda CRV in [----] and havent had a car payment in [--] yearssaving me at least $72k. And guess what I was still able to get to everywhere I needed to go Its amazing what happens when youre smart with your money. . . . #cars #savingmoney #wealthtips #bmw Driving a paid off 12yr old Honda because it costs nothing to run & who wants a $700 per month car payment Driving a paid off 12yr old Honda because it costs nothing to run & who wants a $700 per month car payment"
TikTok Link 2025-07-21T20:33Z 39.7K followers, 703.8K engagements
"Thinking of refinancing Dont just focus on lowering your interest rateyour mortgage insurance (PMI) can change too and that can save you just as much money. ✅ Refi from FHA to Conventional: higher credit score = lower or no PMI ✅ Conventional to Conventional: 3% down at purchase 10%+ equity now = PMI reduced ✅ FHA multifamily loans: super high mortgage insurance big savings moving to Conventional The bottom line: your PMI is just as important as your rate. A smart refinance can cut both. 📲 Have questions about your options Lets talk. #mortgage #refinance #mortgagetips #pmi #FHA Do NOT ignore"
TikTok Link 2025-09-12T13:17Z 39.8K followers, [----] engagements
"Thinking about refinancing your mortgage Its not just about dropping your interest rate. A smart refinance means looking at: Total refinance costs How long it takes to break even Extra savings from mortgage insurance (PMI/MIP) reductions If your break-even point is more than [--] months away it may make sense to wait especially with rates trending lower. Always compare the upfront costs against your monthly savings before making the move. 📉 Learn how to refinance the right way and avoid costly mistakes. 📲 DM me if you want a free review of your situation. . . . #refinance #mortgagetips"
TikTok Link 2025-09-14T16:33Z 39.8K followers, [----] engagements
"The math isnt mathing. Rent up 100% wages up 20% but sure blame the latte. ☕📉 . . . #costofliving #housingmarket The average rent is $3K. Youre supposed to make 3x the rentwhich is $9K or $108K a year Average salary in the US is $58k. But go ahead blame my $8 coffee The average rent is $3K. Youre supposed to make 3x the rentwhich is $9K or $108K a year Average salary in the US is $58k. But go ahead blame my $8 coffee"
TikTok Link 2025-11-06T12:15Z 39.7K followers, 1.1M engagements
"Boomers gave their kids the opportunity to buy the family house first but they couldnt come up with the money. . . . #housingmarket #costofliving #boomer POV: Boomers after selling their family home to private equity for [--] what they paid their adult kids couldnt come up with $2M POV: Boomers after selling their family home to private equity for [--] what they paid their adult kids couldnt come up with $2M"
TikTok Link 2025-11-16T19:59Z 39.7K followers, 410.9K engagements
"Boomers love to say it was all hard work but home prices did most of the heavy lifting. When a $10k house turns into $1M thats not discipline thats decades of appreciation. Todays buyers are playing a completely different game. When Boomers say they built their wealth through hard work but they bought a $1M house for $10k Millennials: When Boomers say they built their wealth through hard work but they bought a $1M house for $10k Millennials:"
TikTok Link 2025-12-08T21:25Z 39.7K followers, 121.5K engagements
"Im not leaving 😂 But seriously most first-time buyers in [--------] didnt plan on that home being their forever home. With rates more than doubling a lot of people had to get comfortable real fast. Thats one big reason inventory is still tight. Homeowners would rather renovate or add on than trade in a 3% rate for a 7% one. If you do sell youll likely have a much bigger down payment than todays buyers which helps offset higher rates. At the end of the day you have to do whats best for your family even if that means upgrading. . . . #mortgage #firsttimehomebuyer #interestrates Wife: Wife: Me:"
TikTok Link 2026-01-12T21:00Z 39.7K followers, 314.4K engagements
"Lowering your mortgage payment is great. Lowering it while paying almost nothing in closing costs is even better. Most homeowners dont know you can take a slightly higher rate and get a lender credit that covers most of your refinance costs. The lowest rate is not always the best deal. This is the refinance strategy smart homeowners use. . . . #refinance #mortgagetips #closingcosts The refinance strategy most homeowners dont know about How to refinance with little to no money out of pocket The refinance strategy most homeowners dont know about How to refinance with little to no money out of"
TikTok Link 2026-01-14T22:43Z 39.8K followers, [----] engagements
"They say your first home is the down payment for your dream home. For boomers its their whole retirement 🫠 . . . #buyingahouse #housingmarket #boomer #mortgage Boomers after they casually outbid a young family for their new home using the equity from the house they bought in [----] for $5k and sold for $1.2M Boomers after they casually outbid a young family for their new home using the equity from the house they bought in [----] for $5k and sold for $1.2M"
TikTok Link 2026-01-15T13:33Z 39.7K followers, 269.7K engagements
"Boomers gaslight the younger generations into thinking its about hard work yet the median homebuyer is [--] years old. Boomers bought more homes than GenZ and Millennials combined. That coffee aint changing anything . . . #housingmarket #boomer #costofliving #firsttimehomebuyers POV: Boomers after selling their family home to an investor for 18x what they paid in [----] the first time buyer didnt have a chance POV: Boomers after selling their family home to an investor for 18x what they paid in [----] the first time buyer didnt have a chance"
TikTok Link 2026-01-18T16:28Z 39.7K followers, 36.3K engagements
"When your offer gets accepted a loan Officer will send you a formal quote called a loan estimate. It looks super overwhelming because of how many numbers are on it but the truth is only the items in section A and B pertain to the lender. All the other costs will be exactly the same regardless of the lender you close with. But a lot of times lenders will lowball those other cost to make them look better than their competitors. If you find yourself paying more than $2000 in section A youre likely overpaying for your mortgage unless theres a prior discussion that happened. Let me know when the"
TikTok Link 2026-01-27T21:36Z 39.5K followers, [----] engagements
"Timing matters. Some generations got lucky. Others just showed up late. . . . #housingmarket #costofliving #boomers Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackrock for $2.4M the young family never stood a chance to Meanwhile their millennial kids are struggling to afford rent POV: Boomers after selling their $30k house to Blackrock for $2.4M the young family never stood a chance to"
TikTok Link 2026-01-29T12:43Z 39.7K followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing