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# ![@whatsamortgage_ Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::6950429162055615494.png) @whatsamortgage_ Minh Nguyen | Mortgage Broker

Minh Nguyen | Mortgage Broker posts on TikTok about money, housing market, rates, fed the most. They currently have XXXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/tiktok::6950429162055615494/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6950429162055615494/c:line/m:interactions.svg)

- X Week XXXXXXX +5.20%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +51%
- X Year XXXXXXXXX +70%

### Mentions: XX [#](/creator/tiktok::6950429162055615494/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6950429162055615494/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XXX +26%
- X Months XXX +76%
- X Year XXX +101%

### Followers: XXXXXXX [#](/creator/tiktok::6950429162055615494/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6950429162055615494/c:line/m:followers.svg)

- X Week XXXXXXX +0.28%
- X Month XXXXXXX +0.46%
- X Months XXXXXXX +4.70%
- X Year XXXXXXX +6.60%

### CreatorRank: XXXXXXX [#](/creator/tiktok::6950429162055615494/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6950429162055615494/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/tiktok::6950429162055615494/influence)
---

**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXX% [technology brands](/list/technology-brands)  XXXX% [social networks](/list/social-networks)  XXXX%

**Social topic influence**
[money](/topic/money) 5.26%, [housing market](/topic/housing-market) 3.95%, [rates](/topic/rates) 3.95%, [fed](/topic/fed) #731, [inflation](/topic/inflation) #998, [insurance](/topic/insurance) #388, [$500k](/topic/$500k) #145, [mortgage rate](/topic/mortgage-rate) 2.63%, [debt](/topic/debt) #1718, [capital gains](/topic/capital-gains) #118

**Top accounts mentioned or mentioned by**
[@socalminh](/creator/undefined) [@minhs2cents](/creator/undefined) [@minh2cents](/creator/undefined) [@pb1230981](/creator/undefined) [@whatsamortgage](/creator/undefined) [@whysocal](/creator/undefined)

**Top assets mentioned**
[KB Home (KBH)](/topic/$kbh) [DoorDash, Inc. (DASH)](/topic/doordash) [Uber Technologies, Inc. (UBER)](/topic/$uber)
### Top Social Posts [#](/creator/tiktok::6950429162055615494/posts)
---
Top posts by engagements in the last XX hours

"With the recent changes to conventional loans putting XX% down on a home today will cost more than putting X% down #mortgage #homebuying101 #homebuyertips #realestate"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7239503535489109294) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-06-01T00:11Z 210.7K followers, 960.8K engagements


"An example of how much mortgage payments will increase with a X% interest rate. #realestate #homebuyingtips #firsttimehomebuyer #loanofficer #interestrates #buyingahouse #californiarealesate"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7148526304953044270) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2022-09-28T20:13Z 210.6K followers, 36.7K engagements


"Its 2025. I still believe every American should have a chance to own a piece of this country. But man these mortgage payments have gotten out of control. If youre a homeowner comment belowwhat year did you buy and whats your monthly payment Do you think theres any way to make housing affordable again in the U.S. Lets talk about it. #HomeOwnership #MortgageRates #HousingCrisis #RealEstateTalk #AmericanDream #AskMinhWin #WhatsAMortgage #Inflation #MortgagePayments #AffordabilityCrisis"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7499629317626875182) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-05-01T23:52Z 210.7K followers, 129K engagements


"Rates are pulling back and I keep getting asked the same question: Should I use a Home Equity Loan or a HELOC Heres the quick breakdown 👇 🏠 Home Equity Loan fixed rate fixed payment 2030 years usually a little lower rate and you know when itll be paid off. 💳 HELOC variable rate interest-only at first (like a credit card) then converts into a long-term loan later. Example: $50K Home Equity Loan @ XXXXX% about $371/mo $50K HELOC @ XXXXX% about $345/mo The difference is small but with a loan youre actually paying down principal with a HELOC youve got to be disciplined to do it yourself."  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7553803224545873166) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-24T23:34Z 210.7K followers, 6158 engagements


"Horrible day for home shoppers 😢 #mortgagerate #homeshopper #mortgageupdates #mortgagenews"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7075715727864614190) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2022-03-16T15:10Z 210.6K followers, 43.3K engagements


"This guy spent all of 2022 claiming that the housing market would crash with homes being discounted by XX XX or even XX percent. Now he's changed his tune. He says that the higher rates have only built up demand without bringing prices down. He predicts that when rates drop sometime in 2024 or 2025 housing prices are going to skyrocket. Even he with all his resources and despite being wrong before is now singing a different tune. #housingmarket #housingcrisis #homeprices #inflation"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7307063696088419630) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-11-30T01:39Z 210.6K followers, 145.1K engagements


"📢 ATTENTION CALIFORNIA HOMEOWNERS The BIG tax win youve been waiting for is finally here 🔥 ✅ The SALT cap just increased from $10000 to $40000 starting in 2025 ✅ If your household makes under $500K you can now write off: 💸 State income taxes 🏡 Property taxes 💰 Plus mortgage interest + other deductions This means more money in your pocket especially if you itemize instead of taking the standard deduction. Its a game changer for homeowners in high-tax states like California. 🎯 Dont sleep on this update plan ahead and get your finances ready. 👉 Minhs Take: This is a big win for California"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7525216773851958583) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-07-09T22:45Z 210.6K followers, 227.8K engagements


"🚨 Major changes coming to Section X 🚨 Starting Oct X 2025 the federal budget proposal will slash $XX billion from HUD thats a XX% cut in Section X funding. The responsibility is shifting to the states but theyll have $26.7B LESS to work with than before. And heres the real shocker: 👉 A proposed 2-year cap on housing assistance for able-bodied adults. After that No more Section X. This could affect millions of families across the U.S. 🧠 Minhs Take: This isnt just about money. Its about time. Is X years really enough for people to get on their feet Or are we setting folks up to fail 👇 What"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7535108600230841655) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-08-05T14:30Z 210.6K followers, 421K engagements


"📉 Finally rates are pulling back Todays job numbers brought some reliefand homeowners now have a chance to lower their mortgage payments. ✅ Got an FHA VA or USDA loan A streamline refinance lets you reduce your payment without income verification and without an appraisal. 🏡 Investors: DSCR loans are 🔑. With 35%+ equity and good credit rates are now in the low 6sbetter than many conventional investment mortgages. Bonus: DSCR allows you to put the property under an LLC removing liability from your name. 👉 If youre sitting on a high rate now might be the time to act. Comment JUICE and Ill"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7546754176378866957) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-05T23:41Z 210.6K followers, 19.7K engagements


"⚠ Attention Americans youre warned. The Fed has already cut rates once this year and is expected to cut two more times. That means savings accounts CDs and money market accounts will start paying you less and less while inflation keeps pushing higher. Translation: 💸 Your cash in the bank is losing buying power. The wealthy arent waiting theyre moving into: 📈 Stocks & ETFs 📊 Index Funds 💵 Bonds 🏠 REITs 🥇 Precious Metals As rates pull back these assets tend to push up. Dont sit on the sidelines and watch your money shrink. 👉 Question for you: Where would you move your money Drop it in"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7552917121978731789) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-22T14:17Z 210.6K followers, 9011 engagements


"🚨 Dont fall for the shutdown = lower rates narrative. 🚨 Some analysts argue that a government shutdown could push investors into Treasuryslowering yieldsand thus drag mortgage rates down. But heres the catch: Risk / uncertainty might scare off investors and push yields up. Operational delays are very real IRS tax transcript verifications flood insurance government-backed loans could slow or stall. The big levers are still the Fed inflation and bond market moves not just whether the governments open or closed. So heres where I lean: I dont believe a shutdown will reliably bring rates down."  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7556030851004353805) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-30T23:39Z 210.6K followers, 10.2K engagements


"Please Jesus let me be wrong today. 🙏 I said a govt shutdown could push mortgage rates higher but the 10-year dipped under XXX% and snapped back. Translation: rates havent blown up (yet). If the 10-year holds under XXX we should see mortgage rates improve. On a tight 2-week close Id stay put for now. Not working with me Ill shop lenders for you. Want real-time rate moves without watching bonds all day Follow @SoCalMinh and tap the 🔔 so you dont miss my updates. #mortgagerates #housingmarket #realestate #finance #minh2cents"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7556272852043910414) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-01T15:18Z 210.6K followers, 10.9K engagements


"Is that a bird 🐦 A plane ✈ Nope its mid-rise housing headed your way. California just signed SB XX now allowing multifamily buildings up to nine stories near high-frequency transit stops. This new law overrides some local zoning in urban transit counties for properties within mile of eligible transit hubs and includes affordability and anti-displacement protections. So yeah the gloves are off. If your home is within those zones your surroundings might look very different soon. Some people see this as a smart fix to the housing crisis. Others see it as a threat to community character. 👇 What"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7560708799191944503) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-13T14:12Z 210.6K followers, 13.1K engagements


"Omg it just real Blackstone who is one of the largest investment firm in world jusr raises XXXX billion dollars to compete with you to buy your home #homebuyers #housingcrisis #buyahouse #firsttimehomebuyer"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7221692495128825134) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-04-14T00:15Z 210.7K followers, 2.2M engagements


"Attention California homebuyers 🚨 The CalHFA XX% down payment assistance (up to $150000) is officially coming back in 2026 and the state has set aside $XXX million for this program. Thats enough to help 2000 new families become homeowners. 🏡 Even better as some families refinance out of their Dream For All program more funds will become available. 🙌🏽 ✅ Early registration starts in 2026 ✅ Only one buyer must be a first-generation homebuyer ✅ Only one buyer must be a California resident ✅ Both buyers must be first-time homebuyers ✅ Combined income must be below the county limit ✅ Allocation"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7562313533241822478) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-17T21:59Z 210.7K followers, 348.3K engagements


"You get a deal you get a deal you get a deal 🎯 Its year-end and builders are pushing to hit quotas which means more incentives on new construction. KB Home is boosting offers and letting buyers personalize moreplus energy-efficient features on top. In Miami Camelot is advertising $25K$35K in incentives. Pulte (community-dependent) is even buying down FHA rates to XXXX% on select homes. Buying tips: If youre already in escrow and havent released contingencies negotiateask for a credit a rate buydown or upgrades. Not in escrow yet Shop the deal you want and ask your preferred builder to match"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7563329297172172046) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-20T15:41Z 210.7K followers, 5265 engagements


"Reply to @pb1230981 how much can you qualify for in CA if you make $110k/year 🏡 #realestate #homebuyingtips #loanofficer #learnontiktok"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7067642671514504494) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2022-02-22T21:03Z 210.6K followers, 29.3K engagements


"What do mortgage payments look like with XXX% interest rate 😳 #realestate #interestrates #loanofficer #homebuyingtips"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7067718549845855535) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2022-02-23T01:57Z 210.6K followers, 149.3K engagements


"Existing-home sales update 🏡 #realestate #loanofficer #learnontiktok #home #homebuyingtips #OscarsAtHome #AEMembersAlways"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7078759440052178218) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2022-03-24T20:01Z 210.7K followers, 19K engagements


"The ONE mortgage hack i completely disagree with 🏡🚫 #mortgage #mortgagetips #mortgagehacks #mortgagehack #loanofficer #homeownership #homeowner"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7219759121929735470) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-04-08T19:12Z 210.7K followers, 504.5K engagements


"Let me translate what Jerome Powell really said at the last FES meeting #jeromepowell #realestatenews #homebuyertips #homebuyer"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7262147957791788331) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-08-01T00:43Z 210.6K followers, 83.2K engagements


"Housing market crisis explained by Ben Shapiro #realestatenews #housingmarket #housingmarketupdate2023 #realestate"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7266510579571985707) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-08-12T18:52Z 210.6K followers, 407.3K engagements


"Citizens Bank shut down by the government due to financial issues The FDIC has taken over and it's all because of a bunch of bad loans that the bank didn't even know about. Who's saying the economy is strong now This is proof that our economies are in shambles let me know in the comments 🤔 do you think these bank shut downs are over or will there be more bank shut downs in 2024 👀 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7301782506326756654) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-11-15T20:05Z 210.6K followers, 17.4K engagements


"Another bank caught discriminating 🏦 👀 First national bank has been accused of ignoring Black and Latino neighborhoods in North Carolina by redlining. Redlining is when a borrowers loan is denied because they live in a poor area. The attorney general found that the banks competitors provided four times the amount of mortgage services in those areas. Do you see a lot of discrimination today If so where Let me know in the comments down below 💬 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7332949047432564010) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2024-02-07T19:48Z 210.7K followers, 13.6K engagements


"A lot of homeowners dont know how to tap into their equity without refinancing or qualifying for a HELOC. However the Dynamic HELOC allows homeowners to tap into their equity and use it to pay off debt buy another property or make home improvements. Qualification is determined using the PLAD system which pulls income from personal bank statements which is great for doordash and uber drivers. Heres how it works: ✅ Soft credit pull ✅ Accept offer with hard credit pull ✅ No appraisal ✅ Receive funds within 10-15 days Go to my instagram post if you want to learn more about the dynamic HELOC 💬"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7354162007198879022) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2024-04-04T23:44Z 210.7K followers, 37.3K engagements


"How to avoid or defer capital gains taxes without a 1031 exchange 🤔Capital gains are applied to profits from real estate or other assets that exceed certain exemption thresholds. What rich people will do is place their capital gains in a deferred sales trust 📄💸 This allows them to use those funds towards more real estate or investments without paying taxes until money is personally withdrawn. If you want to learn more comment DST 💬 #capitalgains #homeownership #realestatetips #mortgagetips #homeownertips #whatsamortgage"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7366778740069715242) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2024-05-08T23:44Z 210.6K followers, 7944 engagements


"@Minhs2Cents 🔥 Big News for Homeowners with FHA Loans 🔥 The Mortgage Insurance Freedom Act could change the face of homeownership forever. 🏡💸 Right now FHA borrowers pay Mortgage Insurance Premiums (MIP) for the entire life of their loan unless they refinance. Thats expensive 😤 With this proposed bill MIP will be automatically removed when youve paid your loan down to XX% of the purchase pricemaking FHA loans much more affordable. 🙌 💡 Heres why this is HUGE: ➡ If you bought with XXX% down at a X% rate it takes about XX years to automatically drop MIP. ➡ With this bill you could pay off"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7453142334281141547) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2024-12-27T17:18Z 210.2K followers, 413.6K engagements


"BOI Update: Mandatory Reporting Now Due by March XX 2025 Its official: the Beneficial Ownership Information (BOI) reporting requirements are back in effect. Following a recent court decision the Financial Crimes Enforcement Network (FinCEN) has reinstated these obligations and extended the filing deadline to March XX 2025 for most companies. Key Points: Who Needs to File: Corporations LLCs and other similar entities are required to report their beneficial ownership information. How to File: You can submit your BOI report directly through FinCENs secure E-Filing system at no cost. Avoid"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7473671747079015726) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-02-21T01:03Z 210.7K followers, 40.5K engagements


"California Home Buyers: New Down Payment Assistance If youre a first-time homebuyer in California the CalHFA Access Program might be the best down payment solution available right now Unlike traditional down payment assistance programs that come with higher interest rates and upfront costs this program offers a low X% simple interest loan to help cover your down payment and closing costs. ✅ Borrow up to XXX% of the purchase price (on a $700K home thats $38500) ✅ Only $32/month in interest payments ✅ Competitive first mortgage rates: Conventional XXXXX% FHA XXXX% ✅ Lower out-of-pocket costs"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7483304469392919854) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-03-19T00:03Z 210.7K followers, 211.9K engagements


"🚨 Attention American Homeowners: A new bill just dropped that could save you tens of thousands in taxes when you sell your house. 👀 Its called the No Tax on Home Sale Act and if passed it would eliminate federal capital gains taxes when selling your primary residence. That means: 🏠 No more $250K cap for singles 🏡 No more $500K cap for married couples 💸 XX% of homeowners would benefit right now 📈 By 2030 over XX% could qualify Im skeptical this passes as-is (because Uncle Sam loves his taxes) but I could see a version where you roll all your gains into a new home tax-free. Minhs Take: If"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7530288317565308173) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-07-23T14:44Z 210.6K followers, 17.1K engagements


"💸 How Much Is Left After Buying an $800K Home on a $190K Income Description: This couple makes $190K a year and wants to buy an $800000 home in California. After taxes and a $6000/month mortgage how much is left We broke it down: 👉 Married no kids 👉 About $145K take-home after taxes 👉 $9200/month in fixed expenses (mortgage cars utilities) 👉 That leaves just $2800/month left over No retirement. No childcare. No emergencies. Just a tight budget. Would you still buy the house Or drop the price for breathing room 🧠 Comment below. 🎯 Follow @SoCalMinh for real-life breakdowns on what you"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7530796797824929038) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-07-24T23:38Z 210.6K followers, 7321 engagements


"🚨 Rate cut party didnt last long about XX minutes. Then Powell grabbed the mic and the market cooled off fast. Heres the deal: This cut was all about risk management the Feds worried about the labor market slipping. Inflation Still sticky and tariffs arent helping. Projections show just one more cut in 2026 thats it. If you locked in your rate already 👏 smart move. If not go back to your loan officer most can still make the numbers work. I made sure my clients got the same deal even after Powell spoke. 💡 Moral of the story: dont wait on perfect timing the market shifts in minutes"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7551202704647834935) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-17T23:23Z 210.6K followers, 26.5K engagements


"🔍 Market Shift Alert In August 2025 56000 home purchase agreements in the U.S. were canceled thats XXXX% of homes under contract that month. A big reason Inspection / repair issues. Over XX% of canceled deals traced back to defects uncovered during inspections. What this means: the power is shifting from sellers to buyers. Buyers are getting pickier demand more from sellers and are willing to walk away. If youre buying or selling right now you cant ignore the condition of the home. 💡 Tip: Sellers get a pre-listing inspection so buyers arent surprised. Buyers know your rights be clear about"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7559635149793643789) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-10T16:46Z 210.6K followers, 75.5K engagements


"🚨 Major class action filed Oct X 2025 in Florida against D.R. Horton and DHI Mortgage. The lawsuit alleges they understated property taxes in monthly payment estimates; after closing when a new servicer recalculated escrow some buyers saw payments jumpsometimes close to $1000/month. Nothing is proven yet. Why this hits new construction: Year X taxes are often based on land or partial assessment; Year X can spike when the full home value hits the tax roll. That alone can raise paymentsso double-check the math. Do this now: Save your Loan Estimate and Closing Disclosure ask your lender to show"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7561453755493813518) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-15T14:22Z 210.6K followers, 7885 engagements


"A Home Equity Agreement (HEA) allows borrowers to pull cash out from their home without making a mortgage payment. Zero payment zero interest zero qualifications. Heres how it works borrowers can take out up to XX% of the homes value BUT they have to share equity. That means the bank or lender gets a percent of that growth based on the new value when the home sells. More cash out means more equity shared. There are options to pay it off one time or in installments if the borrower does not want to share equity long term. This is not recommended unless absolutely necessary. Did you find this"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7317071455659822382) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2023-12-27T00:54Z 210.7K followers, 77.2K engagements


"ATTENTION HOME BUYERS especially the self-employed or anyone with an ITIN. Tag your realtor or lender. This is the loophole of all loopholes for loan programs. This pathway lets a self-employed buyer use an FHA loan with XXX% down and qualify income using a P&L supported by bank statements. It also allows ITIN or DACA buyers at XXX% down. These nonprofit organizationsand Indian tribesare using the FHA mortgage program which allows nonprofit organizations and governmental entities to apply for the same FHA-insured financing as owner-occupants. That means they set their own rules and its backed"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7547863724388814135) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-09-08T23:26Z 210.7K followers, 21K engagements


"Easy money window If the Fed eases up and cuts hiring picks up and rates drift down. Thats your cue to level up skills lock a better job kill high-interest debt and invest with a planstocks real businesses and only the crypto you actually understand. Dont overextend. Stack your chips for the next two years and stay disciplined. Comment: where are you investing in 2026 @minh2cents (not financial advice) #mortgagerates #personalfinance #stockmarket #crypto #wealthbuilding"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7561822734594985229) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-16T14:14Z 210.7K followers, 3094 engagements


"If youre an investor a homeowner or aiming to be one you want to hear this. On Tuesday Jerome Powell dropped some magic 💬 he pointed to softening payroll growth rising downside risks to employment and inflation thats (mostly) staying in check. That sparked a near certainty (96%) that the Fed will cut rates at its Oct XX meeting and strong odds (85%+) for another cut in December. And heres the juicy part 10-year Treasury yields dropped under X% (something we havent seen since September). Thats the kind of move that can send mortgage rates tumbling. 📉 Lower mortgage rates = opportunity 📈"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7562195659521101111) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-17T14:21Z 210.7K followers, 7675 engagements


"💡 Your lender doesnt want you to know this PMI loophole (for CONVENTIONAL loans only) If you bought a home with less than XX% down on a conventional loan youre probably paying private mortgage insurance (PMI). Most lenders want you to think youre stuck paying it until you pay down XX% of the original balance which can take up to XX years 😳 But heres the secret: If after X years youve built XX% equity (from appreciation or extra payments) you can call your loan servicer and request a PMI removal kit. Theyll order something called a Broker Price Opinion (BPO) to confirm your homes current"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7563449809391062286) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-20T23:28Z 210.7K followers, 13.3K engagements


"🧾 New Homeowner Watch Out for This Sneaky Tax Bill 👀 You just bought your dream home youre making your mortgage paymentsand then BAM 💥you get a random tax bill in the mail. Its called the Supplemental Property Tax Bill and most lenders or Realtors never bring it up. Heres the deal: ➡ Your mortgage collects your regular property taxes (due Nov & Mar). ➡ But the supplemental bill covers the difference between the last assessed value and your purchase price. ➡ If your home jumped in value That bill aint small. 😬 📌 Example: Buy at $1M last assessed at $500k You could owe an extra $5000 ⚠"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7530425248995446029) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-07-23T23:36Z 210.7K followers, 43.8K engagements


"👀 Sneaky sneaky while interest rates stay high and many first-time buyers sit on the sidelines investors are moving in fast. 📊 Did you know XX% of single-family homes (not apartments not condos homes) are being scooped up by investors. Most arent hedge funds theyre mom-and-pop investors owning fewer than XX properties. Hot markets: Dallas Houston Phoenix Atlanta and Los Angeles. And heres the kicker: investors are outbidding first-time buyers by XXX% to X% of the purchase price. Even though the housing market is cooling for regular buyers its still heating up for investors. 💬 What do you"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7561076824109796621) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-14T13:59Z 210.7K followers, 2926 engagements


"CAs fine print might be an Edison bailoutheres why: SB XXX lets SoCal Edison pass Eaton Fire costs above the states $21B wildfire fund onto customers through new bill charges. Lawsuits allege SCEs equipment sparked the fire (they havent admitted fault). Lawmakers are also extending the existing $3/month wildfire surcharge XX more years$9B more from ratepayers. And if new costs pop up they can be layered on too. Fair or foul Would you pay more to keep utilities solventor should shareholders eat it Comment FAIR or FOUL 👇 and tell me why. #california #utilitybills #mortgagerates #costofliving"  
[TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7564046290116463927) [@whatsamortgage_](/creator/tiktok/whatsamortgage_) 2025-10-22T14:03Z 210.7K followers, 7330 engagements