[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @whatsamortgage_ Minh Nguyen | Mortgage Broker Minh Nguyen | Mortgage Broker posts on TikTok about fed, rates, mortgage rate, insurance 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)  - X Week XXXXXXXXX +1,929% - X Month XXXXXXXXX +124% - X Months XXXXXXXXX +95% - X Year XXXXXXXXXX +197% ### Mentions: XX [#](/creator/tiktok::6950429162055615494/posts_active)  - X Month XX -XX% - X Months XXX +92% - X Year XXX +129% ### Followers: XXXXXXX [#](/creator/tiktok::6950429162055615494/followers)  - X Week XXXXXXX -XXXX% - X Month XXXXXXX +0.05% - X Months XXXXXXX +4.60% - X Year XXXXXXX +7.10% ### CreatorRank: XXXXXXX [#](/creator/tiktok::6950429162055615494/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) XXXXX% [countries](/list/countries) XXXX% [stocks](/list/stocks) XXXX% [travel destinations](/list/travel-destinations) XXXX% **Social topic influence** [fed](/topic/fed) #373, [rates](/topic/rates) #419, [mortgage rate](/topic/mortgage-rate) #20, [insurance](/topic/insurance) #799, [investment](/topic/investment) 4.88%, [if you](/topic/if-you) 4.88%, [housing market](/topic/housing-market) #72, [bank](/topic/bank) 4.88%, [money](/topic/money) 4.88%, [inflation](/topic/inflation) #2100 **Top accounts mentioned or mentioned by** [@socalminh](/creator/undefined) [@minhs2cents](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "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) 2023-04-14T00:15Z 211.4K followers, 2.2M engagements "Theres a nasty rumor going around that the Fed is basically saying: Dont expect rate cuts in 2026. 👀 Not long ago they were talking about one cut next year banks were hoping for two and now the tone is maybe none. They keep saying theyre data driven but the way the message keeps changing is confusing. A couple months ago they were hinting at no cut in December and here we are cutting. So I dont know what to believe anymore. The big winners right now are people holding short-term debt: credit cards personal loans car loans some student loans and small businesses that can finally borrow a" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7582250779205963063) 2025-12-10T15:25Z 211.4K followers, 6766 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) 2025-02-21T01:03Z 211.4K followers, 40.7K engagements "Heres how to put your home into a living trust so your kids can avoid probatestep by step. Step 1: Get a living trust. You can go through any estate planner but if you want to do it online I recommend GetDynasty.com. With my code MINH1 its only $X. Step 2: Go to your county recorders website and download the Grant Deed form (this is how you transfer your home from your name into the trust). Step 3: Fill it out. Make sure the name on the trust matches the name on the property. You should be the beneficiary and your kids should be the successor beneficiaries. Step 4: Get the grant deed" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7537467280511257870) 2025-08-11T23:03Z 211.4K followers, 46.3K engagements "In 2007 Californias pension giant (CalPERS) put $465M into a Clean Energy & Tech fund and ultimately paid in $468.4M. As of Mar XX 2025 its worth $138.0M roughly a XX% drop ($330M gone). Meanwhile private-equity managers collected $22M+ in fees/costs. Capital Dynamics took over managing this fund in Oct 2010. This isnt about hating retirees. Its about accountability & transparency on where the money went. Please share this video. #CalPERS #California #Pensions #Accountability #PersonalFinance" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7568649287316409614) 2025-11-03T23:45Z 211.4K followers, 30K engagements "Big news for mortgage rates 👀 Its not the tiny Fed rate cut that has me excited its what they slipped in after. Starting December XX the Fed will begin reserve management bond buying about $40B a month in short-term U.S. Treasuries. More bond buying = more demand lower yields and over time mortgage rates tend to follow those bond yields down. On top of that Powell admitted job growth has likely been overstated and said tariff-driven inflation should peak around the end of Q1. Weaker jobs + cooling inflation + the Fed quietly buying bonds Thats a recipe for better mortgage rates as we move" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7582614645874216247) 2025-12-11T14:57Z 211.4K followers, 11.8K 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) 2023-11-15T20:05Z 211.4K followers, 17.5K 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) 2023-12-27T00:54Z 211.4K followers, 79.3K engagements "Californias money situation is getting real: were heading into another $18B deficit four straight years in the red and a lot of revenue is riding on a fragile AI-stock wave. If that cools off the hole gets deeper fast. How do you think California can realistically get out of this hole Cuts New taxes Growth somewhere else Drop your take below 👇 Stay up-to-date on California newsfollow SoCalMinh. #CaliforniaEconomy #CaliforniaBudget #MortgageRates #CostOfLivingCA #RealEstateNews" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7575193647725989175) 2025-11-21T15:00Z 211.4K followers, 8178 engagements "As you file your 2025 tax returns you might qualify to deduct up to $10000 in auto-loan interest. But there are two stipulations Im not totally in love with: X. The car has to be final-assembled in the United States. You can check this on the IRS VIN decoder / your window sticker. X. The loan has to be originated after December XX 2024 so this is mainly for brand-new cars not used or leases. The mega part This deduction is on top of your standard deduction so it can lower your taxable income even if you dont itemize meaning more money staying in your pocket. Honestly Im not sure how many" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7576675676862958903) 2025-11-25T14:52Z 211.4K followers, 223.2K engagements "Portable mortgages might actually become a reality 👀 If they do experts think it could finally unlock inventory and make homeownership a little more affordable again. A portable mortgage basically means you can sell your home and take your current low-rate loan with you to the next onewithout resetting the clock back to a brand-new 30-year. If youve had a sub-5% rate for X years you keep your low payment and stay on track to pay the home off in about XX years instead of starting over. In the chart you see here about XX% of U.S. homes with mortgages have rates under X% about XX% are under 5%" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7581498207256005902) 2025-12-08T14:46Z 211.4K followers, 2645 engagements "The X Ways to Pull Cash out of your home 🏡💰 #mortgagetips #loanofficer #homebuyingtips #realestate" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7078408656751971627) 2022-03-23T21:20Z 211.4K followers, 179.5K engagements "The Fed Dot Plots show X interest rate cuts in 2024 They are expecting the Fed funds rate to go down and for unemployment to go up. They are also expecting inflation to drop to XXX% by the end of 2024. As inflation comes down mortgage interest rates come down but home prices will push up. When do you think we will see these rate cuts in 2024 Let me know what you think in the comments down below 👇 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7312184482541489451) 2023-12-13T20:50Z 211.4K followers, 1.3M 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) 2025-05-01T23:52Z 211.4K followers, 129.6K engagements "Should You Use a HELOC to Pay Off Debt or Invest Heres the trick to figure out if its worth itor if youre just adding more weight to your finances. Most home equity lines of credit (HELOCs) are based on the prime rate + a margin. Right now prime is XXX% and the typical margin is 1.5%thats X% total. So every $100000 borrowed is about $750/month. Now ask yourself: Is that payment worth it to wipe out debt or make a move on a new investment Hope this helps you run the numbers before you jump. Tag your lender or drop soda in the comments if you want my help. #HELOC #DebtPayoffStrategy" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7503701802106326318) 2025-05-12T23:15Z 211.4K followers, 33.4K engagements "📢 ATTENTION HOMEOWNERS One big beautiful bill just brought back a major tax deduction for 2026 👇 ✅ PMI is tax-deductible again Yup monthly private mortgage insurance is back on the table after being stripped in 2021. But it doesnt stop there 🏡 You can now also deduct: Your FHA upfront MIP Your VA funding fee Your USDA guarantee fee both upfront & monthly PLUS: 🧾 Mortgage interest Still deductible. 💰 SALT cap Now raised to $40000. 🧮 Standard deduction for married couples $31000. Put it all together and 2026 might be the year itemizing actually puts more money back in your pocket. 🧠" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7525978269028568375) 2025-07-11T23:59Z 211.4K followers, 148.2K engagements "🔥 X Trust Mistakes That Could Cost Your Family Big Putting your home in a trust is smartbut doing it wrong can lead to higher property taxes denied insurance claims and even probate court. Here are X common mistakes to avoid: X The name on the trust doesnt match your property title X You listed your child as the beneficiary instead of successor X You forgot to update your homeowners insurance X You didnt file the trust transfer deed with the county Minhs Take: This is stuff most people find out too late. Estate planning doesnt just protect your assetsit protects your family from legal and" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7527079131087916343) 2025-07-14T23:11Z 211.4K followers, 393.8K 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) 2025-10-17T21:59Z 211.4K followers, 539K 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) 2025-10-22T14:03Z 211.4K followers, 23.5K engagements "🚨 California parents: read before tossing that booster 🚨 Starting Jan X 2027 kids XXX must pass the 5-Step Seat Belt Fit Test to ride without a booster. If they dont pass keep the boosterdrivers can be fined $XXX. Under X Still must ride in a car seat or booster in the back seat (unless already 49). The 5-Step Test (must say YES to all): X. Sits all the way back against the seat X. Knees bend comfortably at the seat edge X. Shoulder belt rests on the collarbone (between neck & arm) X. Lap belt sits low touching the thighs X. Can stay like this the whole trip Save & share to keep families" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7564189798571773239) 2025-10-22T23:20Z 211.4K followers, 915K engagements "Rumor check: Valero Benicia is still set to close by April 2026. Phillips 66s Los Angeles refinery is winding down now and slated to shut by Dec 2025. Together thats roughly XX% of Californias gasoline capacity. And because CA uses a special blend that fewer refineries make imports arent a quick fixso supply can get tight and prices can jump. My take: unless the state lines up reliable replacement supply pump prices probably edge higher into/after April 2026. CTA: Let me know in the comments below do you think gas prices will go up after April 2026 #CaliforniaGasPrices #RefineryClosures" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7567405912512630030) 2025-10-31T15:20Z 211.4K followers, 7255 engagements "The chances of a December rate cut just exploded. Markets gobbled up Fed Wallers comment that a weaker labor market and cooling inflation could justify a cut and expectations jumped from XX% to 84%. A cut doesnt guarantee mortgage rates drop but it can ease the cost of living by lowering interest on credit cards car loans student loans personal loans and home equity lines. Use this window to clean up high-interest debt and position yourself for when mortgage rates finally move. #mortgagerates #interestrates #federalreserve #debtfreejourney #personalfinance" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7577050158505020685) 2025-11-26T15:04Z 211.4K followers, 679.7K engagements "Housing market crash is about to begin or is it 🤔 Yes foreclosures have jumped XX% and everyones screaming 2008 is back But zoom out: there are about XXX million homes in the U.S. and only 37000 have filed for foreclosure. Thats less than XXXX% about X out of every 10000 homes. On top of that only around X% of homes are delinquent about X out of every XXX. That doesnt exactly scream housing market crash. Tell the housing doomsday people to suck a fart 😂 Trust me I want prices to come down too so I can buy my next home but the data isnt showing a true crash yet. Let me know in the comments:" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7577797850734611726) 2025-11-28T15:26Z 211.4K followers, 44.2K engagements "Gas vs Electric in California 💸⚡ Everyone says go electric to save money but does it really save you more in Cali once you add everything up In my example: 🚗 Gas car $35k $600/mo payment ⚡ Electric car $45k $775/mo payment Insurance: 🛡 Gas: $175/mo 🛡 Electric: $210/mo Driving 10000 miles/year: ⛽ Gas @ XX mpg & $4.70/gal $140/mo 🔌 EV charging $75/mo So yeah electric saves about $65/mo on fuel 👉 but overall Id still pay about $XXX more per month for the electric car. Thats around $1800 a year more out of pocket. For me trying to save money right now gas still wins. What about youteam gas" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7582069190815698190) 2025-12-10T03:41Z 211.4K followers, 5593 engagements "Were celebrating today and its not because the Fed cut rates by or because they hinted at one more cut in 2026. The real headline is whats coming on December XX. The Fed is launching reserve management buying $XX billion in U.S. Treasuries and then more after that. Its basically quantitative easing with a new name. When the Fed buys bonds demand goes up yields drop and mortgage rates tend to follow those yields down. So yes this could mean lower mortgage rates ahead if they keep buying. Plus Powell said tariff-driven inflation should cool after Q1 which lines up with the idea that mid2026" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7582390545046048014) 2025-12-11T00:28Z 211.4K followers, 26.1K engagements "2026 might be the year of the ADU. 🏡 If youve been eyeing a fixer and thinking I could add an ADU and increase the value this is the kind of financing strategy you need to understand. With a renovation loan youre not just buying the home as-isyou can potentially roll renovation costs into the loan based on the after-renovation appraised value (if you qualify and the appraisal supports it). Example: buy for $500000 renovate and if the completed appraisal comes in at $700000 the loan can be structured to fund the purchase plus renovation escrowso youre not stuck paying all rehab costs out of" [TikTok Link](https://www.tiktok.com/@whatsamortgage_/video/7582984985657773367) 2025-12-12T14:55Z 211.4K followers, 4259 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@whatsamortgage_ Minh Nguyen | Mortgage Broker
Minh Nguyen | Mortgage Broker posts on TikTok about fed, rates, mortgage rate, insurance the most. They currently have XXXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.
Engagements: XXXXXX #
- X Week XXXXXXXXX +1,929%
- X Month XXXXXXXXX +124%
- X Months XXXXXXXXX +95%
- X Year XXXXXXXXXX +197%
Mentions: XX #
- X Month XX -XX%
- X Months XXX +92%
- X Year XXX +129%
Followers: XXXXXXX #
- X Week XXXXXXX -XXXX%
- X Month XXXXXXX +0.05%
- X Months XXXXXXX +4.60%
- X Year XXXXXXX +7.10%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance XXXXX% countries XXXX% stocks XXXX% travel destinations XXXX%
Social topic influence fed #373, rates #419, mortgage rate #20, insurance #799, investment 4.88%, if you 4.88%, housing market #72, bank 4.88%, money 4.88%, inflation #2100
Top accounts mentioned or mentioned by @socalminh @minhs2cents
Top Social Posts
Top posts by engagements in the last XX hours
"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 2023-04-14T00:15Z 211.4K followers, 2.2M engagements
"Theres a nasty rumor going around that the Fed is basically saying: Dont expect rate cuts in 2026. 👀 Not long ago they were talking about one cut next year banks were hoping for two and now the tone is maybe none. They keep saying theyre data driven but the way the message keeps changing is confusing. A couple months ago they were hinting at no cut in December and here we are cutting. So I dont know what to believe anymore. The big winners right now are people holding short-term debt: credit cards personal loans car loans some student loans and small businesses that can finally borrow a"
TikTok Link 2025-12-10T15:25Z 211.4K followers, 6766 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 2025-02-21T01:03Z 211.4K followers, 40.7K engagements
"Heres how to put your home into a living trust so your kids can avoid probatestep by step. Step 1: Get a living trust. You can go through any estate planner but if you want to do it online I recommend GetDynasty.com. With my code MINH1 its only $X. Step 2: Go to your county recorders website and download the Grant Deed form (this is how you transfer your home from your name into the trust). Step 3: Fill it out. Make sure the name on the trust matches the name on the property. You should be the beneficiary and your kids should be the successor beneficiaries. Step 4: Get the grant deed"
TikTok Link 2025-08-11T23:03Z 211.4K followers, 46.3K engagements
"In 2007 Californias pension giant (CalPERS) put $465M into a Clean Energy & Tech fund and ultimately paid in $468.4M. As of Mar XX 2025 its worth $138.0M roughly a XX% drop ($330M gone). Meanwhile private-equity managers collected $22M+ in fees/costs. Capital Dynamics took over managing this fund in Oct 2010. This isnt about hating retirees. Its about accountability & transparency on where the money went. Please share this video. #CalPERS #California #Pensions #Accountability #PersonalFinance"
TikTok Link 2025-11-03T23:45Z 211.4K followers, 30K engagements
"Big news for mortgage rates 👀 Its not the tiny Fed rate cut that has me excited its what they slipped in after. Starting December XX the Fed will begin reserve management bond buying about $40B a month in short-term U.S. Treasuries. More bond buying = more demand lower yields and over time mortgage rates tend to follow those bond yields down. On top of that Powell admitted job growth has likely been overstated and said tariff-driven inflation should peak around the end of Q1. Weaker jobs + cooling inflation + the Fed quietly buying bonds Thats a recipe for better mortgage rates as we move"
TikTok Link 2025-12-11T14:57Z 211.4K followers, 11.8K 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 2023-11-15T20:05Z 211.4K followers, 17.5K 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 2023-12-27T00:54Z 211.4K followers, 79.3K engagements
"Californias money situation is getting real: were heading into another $18B deficit four straight years in the red and a lot of revenue is riding on a fragile AI-stock wave. If that cools off the hole gets deeper fast. How do you think California can realistically get out of this hole Cuts New taxes Growth somewhere else Drop your take below 👇 Stay up-to-date on California newsfollow SoCalMinh. #CaliforniaEconomy #CaliforniaBudget #MortgageRates #CostOfLivingCA #RealEstateNews"
TikTok Link 2025-11-21T15:00Z 211.4K followers, 8178 engagements
"As you file your 2025 tax returns you might qualify to deduct up to $10000 in auto-loan interest. But there are two stipulations Im not totally in love with: X. The car has to be final-assembled in the United States. You can check this on the IRS VIN decoder / your window sticker. X. The loan has to be originated after December XX 2024 so this is mainly for brand-new cars not used or leases. The mega part This deduction is on top of your standard deduction so it can lower your taxable income even if you dont itemize meaning more money staying in your pocket. Honestly Im not sure how many"
TikTok Link 2025-11-25T14:52Z 211.4K followers, 223.2K engagements
"Portable mortgages might actually become a reality 👀 If they do experts think it could finally unlock inventory and make homeownership a little more affordable again. A portable mortgage basically means you can sell your home and take your current low-rate loan with you to the next onewithout resetting the clock back to a brand-new 30-year. If youve had a sub-5% rate for X years you keep your low payment and stay on track to pay the home off in about XX years instead of starting over. In the chart you see here about XX% of U.S. homes with mortgages have rates under X% about XX% are under 5%"
TikTok Link 2025-12-08T14:46Z 211.4K followers, 2645 engagements
"The X Ways to Pull Cash out of your home 🏡💰 #mortgagetips #loanofficer #homebuyingtips #realestate"
TikTok Link 2022-03-23T21:20Z 211.4K followers, 179.5K engagements
"The Fed Dot Plots show X interest rate cuts in 2024 They are expecting the Fed funds rate to go down and for unemployment to go up. They are also expecting inflation to drop to XXX% by the end of 2024. As inflation comes down mortgage interest rates come down but home prices will push up. When do you think we will see these rate cuts in 2024 Let me know what you think in the comments down below 👇 #mortgagerates #mortgagerate #mortgageratesdaily #realestatenews #mortgagetips #mortgagenews #homebuyingtip"
TikTok Link 2023-12-13T20:50Z 211.4K followers, 1.3M 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 2025-05-01T23:52Z 211.4K followers, 129.6K engagements
"Should You Use a HELOC to Pay Off Debt or Invest Heres the trick to figure out if its worth itor if youre just adding more weight to your finances. Most home equity lines of credit (HELOCs) are based on the prime rate + a margin. Right now prime is XXX% and the typical margin is 1.5%thats X% total. So every $100000 borrowed is about $750/month. Now ask yourself: Is that payment worth it to wipe out debt or make a move on a new investment Hope this helps you run the numbers before you jump. Tag your lender or drop soda in the comments if you want my help. #HELOC #DebtPayoffStrategy"
TikTok Link 2025-05-12T23:15Z 211.4K followers, 33.4K engagements
"📢 ATTENTION HOMEOWNERS One big beautiful bill just brought back a major tax deduction for 2026 👇 ✅ PMI is tax-deductible again Yup monthly private mortgage insurance is back on the table after being stripped in 2021. But it doesnt stop there 🏡 You can now also deduct: Your FHA upfront MIP Your VA funding fee Your USDA guarantee fee both upfront & monthly PLUS: 🧾 Mortgage interest Still deductible. 💰 SALT cap Now raised to $40000. 🧮 Standard deduction for married couples $31000. Put it all together and 2026 might be the year itemizing actually puts more money back in your pocket. 🧠"
TikTok Link 2025-07-11T23:59Z 211.4K followers, 148.2K engagements
"🔥 X Trust Mistakes That Could Cost Your Family Big Putting your home in a trust is smartbut doing it wrong can lead to higher property taxes denied insurance claims and even probate court. Here are X common mistakes to avoid: X The name on the trust doesnt match your property title X You listed your child as the beneficiary instead of successor X You forgot to update your homeowners insurance X You didnt file the trust transfer deed with the county Minhs Take: This is stuff most people find out too late. Estate planning doesnt just protect your assetsit protects your family from legal and"
TikTok Link 2025-07-14T23:11Z 211.4K followers, 393.8K 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 2025-10-17T21:59Z 211.4K followers, 539K 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 2025-10-22T14:03Z 211.4K followers, 23.5K engagements
"🚨 California parents: read before tossing that booster 🚨 Starting Jan X 2027 kids XXX must pass the 5-Step Seat Belt Fit Test to ride without a booster. If they dont pass keep the boosterdrivers can be fined $XXX. Under X Still must ride in a car seat or booster in the back seat (unless already 49). The 5-Step Test (must say YES to all): X. Sits all the way back against the seat X. Knees bend comfortably at the seat edge X. Shoulder belt rests on the collarbone (between neck & arm) X. Lap belt sits low touching the thighs X. Can stay like this the whole trip Save & share to keep families"
TikTok Link 2025-10-22T23:20Z 211.4K followers, 915K engagements
"Rumor check: Valero Benicia is still set to close by April 2026. Phillips 66s Los Angeles refinery is winding down now and slated to shut by Dec 2025. Together thats roughly XX% of Californias gasoline capacity. And because CA uses a special blend that fewer refineries make imports arent a quick fixso supply can get tight and prices can jump. My take: unless the state lines up reliable replacement supply pump prices probably edge higher into/after April 2026. CTA: Let me know in the comments below do you think gas prices will go up after April 2026 #CaliforniaGasPrices #RefineryClosures"
TikTok Link 2025-10-31T15:20Z 211.4K followers, 7255 engagements
"The chances of a December rate cut just exploded. Markets gobbled up Fed Wallers comment that a weaker labor market and cooling inflation could justify a cut and expectations jumped from XX% to 84%. A cut doesnt guarantee mortgage rates drop but it can ease the cost of living by lowering interest on credit cards car loans student loans personal loans and home equity lines. Use this window to clean up high-interest debt and position yourself for when mortgage rates finally move. #mortgagerates #interestrates #federalreserve #debtfreejourney #personalfinance"
TikTok Link 2025-11-26T15:04Z 211.4K followers, 679.7K engagements
"Housing market crash is about to begin or is it 🤔 Yes foreclosures have jumped XX% and everyones screaming 2008 is back But zoom out: there are about XXX million homes in the U.S. and only 37000 have filed for foreclosure. Thats less than XXXX% about X out of every 10000 homes. On top of that only around X% of homes are delinquent about X out of every XXX. That doesnt exactly scream housing market crash. Tell the housing doomsday people to suck a fart 😂 Trust me I want prices to come down too so I can buy my next home but the data isnt showing a true crash yet. Let me know in the comments:"
TikTok Link 2025-11-28T15:26Z 211.4K followers, 44.2K engagements
"Gas vs Electric in California 💸⚡ Everyone says go electric to save money but does it really save you more in Cali once you add everything up In my example: 🚗 Gas car $35k $600/mo payment ⚡ Electric car $45k $775/mo payment Insurance: 🛡 Gas: $175/mo 🛡 Electric: $210/mo Driving 10000 miles/year: ⛽ Gas @ XX mpg & $4.70/gal $140/mo 🔌 EV charging $75/mo So yeah electric saves about $65/mo on fuel 👉 but overall Id still pay about $XXX more per month for the electric car. Thats around $1800 a year more out of pocket. For me trying to save money right now gas still wins. What about youteam gas"
TikTok Link 2025-12-10T03:41Z 211.4K followers, 5593 engagements
"Were celebrating today and its not because the Fed cut rates by or because they hinted at one more cut in 2026. The real headline is whats coming on December XX. The Fed is launching reserve management buying $XX billion in U.S. Treasuries and then more after that. Its basically quantitative easing with a new name. When the Fed buys bonds demand goes up yields drop and mortgage rates tend to follow those yields down. So yes this could mean lower mortgage rates ahead if they keep buying. Plus Powell said tariff-driven inflation should cool after Q1 which lines up with the idea that mid2026"
TikTok Link 2025-12-11T00:28Z 211.4K followers, 26.1K engagements
"2026 might be the year of the ADU. 🏡 If youve been eyeing a fixer and thinking I could add an ADU and increase the value this is the kind of financing strategy you need to understand. With a renovation loan youre not just buying the home as-isyou can potentially roll renovation costs into the loan based on the after-renovation appraised value (if you qualify and the appraisal supports it). Example: buy for $500000 renovate and if the completed appraisal comes in at $700000 the loan can be structured to fund the purchase plus renovation escrowso youre not stuck paying all rehab costs out of"
TikTok Link 2025-12-12T14:55Z 211.4K followers, 4259 engagements