# ![@HomeLoanBill Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1633482846948958210.png) @HomeLoanBill Home Loan Bill

Home Loan Bill posts on X about in the, mortgage rate, rates, homes the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1633482846948958210/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1633482846948958210/c:line/m:interactions.svg)

- [--] Week [------] +1,069%
- [--] Month [------] +247%
- [--] Months [-------] -2.70%
- [--] Year [-------] +11%

### Mentions: [--] [#](/creator/twitter::1633482846948958210/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1633482846948958210/c:line/m:posts_active.svg)

- [--] Month [--] -75%
- [--] Months [---] +7.20%
- [--] Year [---] -42%

### Followers: [---] [#](/creator/twitter::1633482846948958210/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1633482846948958210/c:line/m:followers.svg)

- [--] Week [---] +0.51%
- [--] Month [---] +0.20%
- [--] Months [---] +0.71%
- [--] Year [---] +109%

### CreatorRank: [-------] [#](/creator/twitter::1633482846948958210/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1633482846948958210/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  80.45% [countries](/list/countries)  1.5% [social networks](/list/social-networks)  1.5% [technology brands](/list/technology-brands)  1.5% [automotive brands](/list/automotive-brands)  0.75% [cryptocurrencies](/list/cryptocurrencies)  0.75%

**Social topic influence**
[in the](/topic/in-the) 9.02%, [mortgage rate](/topic/mortgage-rate) #98, [rates](/topic/rates) #818, [homes](/topic/homes) 4.51%, [wrong](/topic/wrong) 3.76%, [this is](/topic/this-is) 3.01%, [the first](/topic/the-first) 3.01%, [sunday](/topic/sunday) 2.26%, [alex](/topic/alex) 2.26%, [market](/topic/market) 2.26%

**Top accounts mentioned or mentioned by**
[@jonbrooks](/creator/undefined) [@rustydish2331](/creator/undefined) [@solwoldjr74](/creator/undefined) [@bmfiore2](/creator/undefined) [@rogainetrader](/creator/undefined) [@powboy66](/creator/undefined) [@jimmydean197](/creator/undefined) [@tmaxftw](/creator/undefined) [@thinkappraiser](/creator/undefined) [@nvrstop24](/creator/undefined) [@adamlehrersp](/creator/undefined) [@yieldsearcher](/creator/undefined) [@advisorjohn](/creator/undefined) [@jgpuck99](/creator/undefined) [@macroedgeres](/creator/undefined) [@dumbtwt7](/creator/undefined) [@gaybearres](/creator/undefined) [@newslambert](/creator/undefined) [@pulte](/creator/undefined) [@tierrapartners](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts
Top posts by engagements in the last [--] hours

"In my previous life I was a Contractor Sales Manager for Menards. I sold the housing packages that smaller custom home builders use. If a GC is quoting a job today and footings wont be poured until March/April then I would bet my next paycheck the builder has absolutely padded the cost to cover the potential increase. https://twitter.com/i/web/status/2019125655523184981 https://twitter.com/i/web/status/2019125655523184981"  
[X Link](https://x.com/HomeLoanBill/status/2019125655523184981)  2026-02-04T19:07Z [---] followers, [---] engagements


"@tierrapartners They shouldnt allow it. Allowing portable mortgages would 1) increase mortgage rates for everyone else 2) increase upfront fees for everyone else 3) devalue MBS holdings"  
[X Link](https://x.com/HomeLoanBill/status/2020515173597946364)  2026-02-08T15:08Z [---] followers, [--] engagements


"@nickgerli1 Nickdemand didnt collapse until mortgage rates increased"  
[X Link](https://x.com/HomeLoanBill/status/2020609492950401360)  2026-02-08T21:23Z [---] followers, [---] engagements


"@JakeHoffmanAZ @patrickbetdavid @TPUSA"  
[X Link](https://x.com/HomeLoanBill/status/2020770340683845723)  2026-02-09T08:02Z [---] followers, [---] engagements


"@RogaineTrader @jonbrooks With respect you explicitly said its the price. My position is that if mortgage rates were in the 5-6% range from [----] until now prices would still be exactly where they are now"  
[X Link](https://x.com/HomeLoanBill/status/2021216995232931969)  2026-02-10T13:37Z [---] followers, [--] engagements


"Its about a one-year lag. The last time we saw sustained 3.54% wage growth like the [--------] period was the late 1990s when sales per household climbed from roughly 4.5% to nearly 6%. I think were going to see a significant increase in purchase transactions in [----] (5.2 million to [---] million is IMO reasonable to expect). https://twitter.com/i/web/status/2021256044010160389 https://twitter.com/i/web/status/2021256044010160389"  
[X Link](https://x.com/HomeLoanBill/status/2021256044010160389)  2026-02-10T16:12Z [---] followers, [--] engagements


"@jonbrooks Yeaha debilitating week long storm that covers 1/3 of the country will do that"  
[X Link](https://x.com/HomeLoanBill/status/2022056032277864660)  2026-02-12T21:11Z [---] followers, [----] engagements


"@Powboy66 @Tradlr @jonbrooks Okand then what happens"  
[X Link](https://x.com/HomeLoanBill/status/2022276953839985107)  2026-02-13T11:49Z [---] followers, [--] engagements


"@rustydish2331 @jimmydean197 @Solwoldjr74 Its definitely one or the other. Im leaning toward the latter"  
[X Link](https://x.com/HomeLoanBill/status/2022299151652831616)  2026-02-13T13:17Z [---] followers, [--] engagements


"@jonbrooks Johnnieyouve never not lived in Floridahave you"  
[X Link](https://x.com/HomeLoanBill/status/2022299640217956503)  2026-02-13T13:19Z [---] followers, [--] engagements


"@rustydish2331 @Solwoldjr74 @jimmydean197 I read it. JPM has the same problem you doonly focusing on the same 5-6 markets"  
[X Link](https://x.com/HomeLoanBill/status/2022304755310076411)  2026-02-13T13:40Z [---] followers, [--] engagements


"@rustydish2331 @Solwoldjr74 @jimmydean197 Yeahbecause Case-Shiller is not known at all for providing accurate YoY data for existing home sales. 😂"  
[X Link](https://x.com/HomeLoanBill/status/2022310376780529948)  2026-02-13T14:02Z [---] followers, [--] engagements


"@rustydish2331 @Solwoldjr74 @jimmydean197 WTF do you think Case-Shiller measures Only home sales in Yreka CA 😂"  
[X Link](https://x.com/HomeLoanBill/status/2022311158355501498)  2026-02-13T14:05Z [---] followers, [--] engagements


"Jon The majority of real estate transactions close in the last full week of the month (as someone in the industry you know this to be true). This storm started on Friday the 23rd and finally stopped Sunday the 25th. More than one million people lost power with half of those not getting power back until January 30th. Over [-----] flights were cancelled. Governors in [--] states declared states of emergency. Are you seriously not taking any of this into consideration https://twitter.com/i/web/status/2022364064844792218 https://twitter.com/i/web/status/2022364064844792218"  
[X Link](https://x.com/HomeLoanBill/status/2022364064844792218)  2026-02-13T17:35Z [---] followers, [--] engagements


"@Lee_Lichterman @yieldsearcher And yet Its almost like theres actual value in what they do"  
[X Link](https://x.com/HomeLoanBill/status/2022505958363279639)  2026-02-14T02:59Z [---] followers, [--] engagements


"@ImeldaM89173797 @yieldsearcher"  
[X Link](https://x.com/HomeLoanBill/status/2022640833468453359)  2026-02-14T11:55Z [---] followers, [--] engagements


"I give you props when you actually post valuable insights. I give you sh*t when you post the same recycled doomer engagement slop over and over. Anytime your data (which is often either a screenshot of some AI generated prompt or an out-of-context quote from some other zero-credibility account) is challenged/debunked with *actual* data you disappear from the conversation. This tells me everything I need to know about your opinionsand that is your opinion goes wherever the clicks are. The problem arent the questions I askits the questions *you* ask and/or the lack of answers you give"  
[X Link](https://x.com/HomeLoanBill/status/2022360373878267951)  2026-02-13T17:21Z [---] followers, [--] engagements


"Jon is either flat out lying or hes just an idiot for not actually thinking this through. The majority of real estate transactions close in the last full week of the month (as someone in the industry Jon knows this to be true). This storm started on Friday the 23rd and finally stopped Sunday the 25th. The states most affected by this storm represent the southern portion of the countrywhich is responsible for about 45% of all home purchase transactions. More than one million people lost power with half of those not getting power back until Friday the 30th. Over [-----] flights were cancelled."  
[X Link](https://x.com/HomeLoanBill/status/2022366850894463233)  2026-02-13T17:46Z [---] followers, [---] engagements


"@jonbrooks Exhibit A of exactly what I said in my previous comment. Youre presented with verifiable facts that contradict your statementand your rebuttal is no where to be seen. @jonbrooks Jon The majority of real estate transactions close in the last full week of the month (as someone in the industry you know this to be true). This storm started on Friday the 23rd and finally stopped Sunday the 25th. More than one million people lost power with half of @jonbrooks Jon The majority of real estate transactions close in the last full week of the month (as someone in the industry you know this to"  
[X Link](https://x.com/HomeLoanBill/status/2022458339712733429)  2026-02-13T23:50Z [---] followers, [--] engagements


"@Lee_Lichterman @yieldsearcher Ill take Things That Definitely Didnt Happen for $500 Alex"  
[X Link](https://x.com/HomeLoanBill/status/2022516495364882613)  2026-02-14T03:41Z [---] followers, [--] engagements


"@jonbrooks Despite the silver tsunami and flat net migration and declining birth rateswe still have over two decades of an increasing number of potential homebuyers"  
[X Link](https://x.com/HomeLoanBill/status/2022787919262416971)  2026-02-14T21:39Z [---] followers, [---] engagements


"@jonbrooks @jgpuck99 Not in all states. Prices are up 10% YoY in my MLS"  
[X Link](https://x.com/HomeLoanBill/status/2022820960798196172)  2026-02-14T23:51Z [---] followers, [--] engagements


"@tmaxftw @MacroEdgeRes YeahIve heard that for over a decade now. And yet"  
[X Link](https://x.com/HomeLoanBill/status/2023198887079817458)  2026-02-16T00:52Z [---] followers, [--] engagements


"@tmaxftw @MacroEdgeRes [----] million home sales is stalled"  
[X Link](https://x.com/HomeLoanBill/status/2023201851043377497)  2026-02-16T01:04Z [---] followers, [--] engagements


"@Hanakookie1 @jonbrooks Most of the areas in brown arent building new homes"  
[X Link](https://x.com/HomeLoanBill/status/2023208183750148556)  2026-02-16T01:29Z [---] followers, [--] engagements


"Lots of so called housing experts on this platform like to talk about how bad the demographics are for housing going forward. They didnt do the math. I did. 🤓"  
[X Link](https://x.com/HomeLoanBill/status/2022481943783235654)  2026-02-14T01:24Z [---] followers, [---] engagements


"@jeffcortinas @Barchart I knowits hilarious that people think this is the most unaffordable housing has ever been. These people simply dont know their history"  
[X Link](https://x.com/HomeLoanBill/status/2023206187244642522)  2026-02-16T01:21Z [---] followers, [---] engagements


"@BMFiore2 @ThinkAppraiser If Im understanding you correctlytheres no pathway to 4-5% mortgage rates without the Fed getting involved If thats what youre sayingthen youre agreeing with my original point"  
[X Link](https://x.com/HomeLoanBill/status/2023427835189403990)  2026-02-16T16:02Z [---] followers, [--] engagements


"@josephjnichols @WomanDefiner 100%. We drive a Jeep Grand Cherokee Limited L. Horrible on gasbut its a tank"  
[X Link](https://x.com/HomeLoanBill/status/2022684066320126068)  2026-02-14T14:47Z [---] followers, [--] engagements


"Educate the public that there is no such thing as the US housing market. 🙃 If YOU were put in charge of fixing the U.S. housing market tomorrow Whats the first move youd make If YOU were put in charge of fixing the U.S. housing market tomorrow Whats the first move youd make"  
[X Link](https://x.com/HomeLoanBill/status/2023040640033103880)  2026-02-15T14:24Z [---] followers, [---] engagements


"Things sound rough in*checks notes*Bangladesh. 😂 Rent didnt get expensive. Wages got irrelevant. If one paycheck cant cover shelter the job isnt low paying. Its broken by design. Rent didnt get expensive. Wages got irrelevant. If one paycheck cant cover shelter the job isnt low paying. Its broken by design"  
[X Link](https://x.com/HomeLoanBill/status/2023057556831142032)  2026-02-15T15:31Z [---] followers, [---] engagements


"@jgpuck99 @jonbrooks When was the last time FHA was bailed out by taxpayers"  
[X Link](https://x.com/HomeLoanBill/status/2023076973338300844)  2026-02-15T16:48Z [---] followers, [--] engagements


"@AlexAnzalone34 Its time to log off Alex"  
[X Link](https://x.com/HomeLoanBill/status/2023133536543281349)  2026-02-15T20:33Z [---] followers, [--] engagements


"@NvrStop24 @jonbrooks Forbearance isnt free"  
[X Link](https://x.com/HomeLoanBill/status/2023238052861092250)  2026-02-16T03:28Z [---] followers, [--] engagements


"@GodzillaBort Um5% of $100000 is $5000not $500"  
[X Link](https://x.com/anyuser/status/1961217243578315002)  2025-08-29T00:00Z [---] followers, [----] engagements


"@CVREToken @jonbrooks There is a major supply problem for the majority of the country"  
[X Link](https://x.com/HomeLoanBill/status/2022769930496594014)  2026-02-14T20:28Z [---] followers, [--] engagements


"@EJH3105 @TheCinesthetic Bad parenting IMO"  
[X Link](https://x.com/HomeLoanBill/status/2023031021860728898)  2026-02-15T13:45Z [---] followers, [---] engagements


"@RogaineTrader @jonbrooks The only real policy that benefit owning for investment is income tax policy. They already pay more for property taxes"  
[X Link](https://x.com/HomeLoanBill/status/2023038993382936994)  2026-02-15T14:17Z [---] followers, [--] engagements


"@jonbrooks Educate the public that there is no such thing as the US housing market. 🙃"  
[X Link](https://x.com/HomeLoanBill/status/2023040614439571750)  2026-02-15T14:24Z [---] followers, [---] engagements


"@AlexAnzalone34 Honest question for you Alex Do you honestly think that youre not going to get paid well from *any* NFL team"  
[X Link](https://x.com/HomeLoanBill/status/2023106288243122563)  2026-02-15T18:45Z [---] followers, [----] engagements


"@jonbrooks Hey Jon. Allow me to present once again the data"  
[X Link](https://x.com/HomeLoanBill/status/2023183016194191662)  2026-02-15T23:49Z [---] followers, [---] engagements


"@Barchart This is factually incorrect"  
[X Link](https://x.com/HomeLoanBill/status/2023191774211318077)  2026-02-16T00:24Z [---] followers, [----] engagements


"@DudespostingWs"  
[X Link](https://x.com/HomeLoanBill/status/2023217071987814657)  2026-02-16T02:05Z [---] followers, [----] engagements


"@NvrStop24 @jonbrooks Cares act has nothing to do with the loss mitigation FHA has had in place for over a decade now junior"  
[X Link](https://x.com/HomeLoanBill/status/2023242714439889017)  2026-02-16T03:47Z [---] followers, [--] engagements


"@BMFiore2 @ThinkAppraiser"  
[X Link](https://x.com/HomeLoanBill/status/2023423199090970969)  2026-02-16T15:44Z [---] followers, [--] engagements


"@BMFiore2 @ThinkAppraiser Who said anything about 2% over [--] years"  
[X Link](https://x.com/HomeLoanBill/status/2023425687164735542)  2026-02-16T15:54Z [---] followers, [--] engagements


"I can appreciate that perspective but I dont entirely agree. I dont think anyone is too overly critical of the Feds initial response. Covid caused the fastest crash in US history. The issue (in my view) was that just when we thought we might be in the clear in the spring of [----] the Delta variant swept through the country killing millions. I agree that the Fed kept their foot on the gas longer than they should but they were responding to an unprecedented issue. To their credit they also slowed everything down without causing major unemployment issues. All that said I (personally) dont believe"  
[X Link](https://x.com/HomeLoanBill/status/2023441205888000156)  2026-02-16T16:55Z [---] followers, [--] engagements


"@AdvisorJohn @Solwoldjr74 I say this with all due respect I take it youve never had to deal with a USDA loan. 😉"  
[X Link](https://x.com/HomeLoanBill/status/2023450780594815421)  2026-02-16T17:33Z [---] followers, [--] engagements


"@BMFiore2 @ThinkAppraiser Well sureyou cant go from 2.68% mortgage rates to 7.62% in just [--] months and not lose. Going from 5% to 7% isnt going to cause the same wipeout"  
[X Link](https://x.com/HomeLoanBill/status/2023451765161574513)  2026-02-16T17:37Z [---] followers, [--] engagements


"@AnnieAgar @EliManning - Manningcast w/@AnnieAgar is what America wants. Make it happen"  
[X Link](https://x.com/HomeLoanBill/status/1838636152640934165)  2024-09-24T17:46Z [---] followers, [----] engagements


"@JomboyMedia 2-0 ballgame in the 7th. There is absolutely nothing wrong with this. Anyone who says otherwise is an idiot"  
[X Link](https://x.com/HomeLoanBill/status/1839097106247692617)  2024-09-26T00:18Z [---] followers, [----] engagements


"@atlmeagsnow @MikeArnoldLaw And this answer is *exactly* why most men dont want to be alone with a woman"  
[X Link](https://x.com/anyuser/status/1839278428786196743)  2024-09-26T12:18Z [---] followers, 19.2K engagements


"@NeverSpeakLoL @atlmeagsnow @MikeArnoldLaw Neither do false accusers"  
[X Link](https://x.com/HomeLoanBill/status/1839379958978007383)  2024-09-26T19:02Z [---] followers, 10.9K engagements


"@ScottHodnett If this is the single greatest play youve ever seen a WR make then you havent watched a lot of football. 😂"  
[X Link](https://x.com/anyuser/status/1840355506990252044)  2024-09-29T11:38Z [---] followers, 21.8K engagements


"@Koryfrost @runthistrain The bet was for Goff to score any TD"  
[X Link](https://x.com/HomeLoanBill/status/1841114259217936824)  2024-10-01T13:53Z [---] followers, 16.7K engagements


"@MeatwadUpNext @Koryfrost @runthistrain Correct but not a receiving TD on the 6th drive. 😉"  
[X Link](https://x.com/HomeLoanBill/status/1841187201163346329)  2024-10-01T18:43Z [---] followers, [----] engagements


"@theforestowls @ChrisMartzWX There is still time to delete this"  
[X Link](https://x.com/HomeLoanBill/status/1844006741404721350)  2024-10-09T13:27Z [---] followers, [----] engagements


"@D4abrightfuture @marclambertiml @chinesegon Imagine admitting to the world that you arent capable of attracting women without first getting them drunk. 😂"  
[X Link](https://x.com/anyuser/status/1845057483770909182)  2024-10-12T11:02Z [---] followers, [----] engagements


"@TimGfromthewick @brownchubbybear @HaterReport_ If someone is a physical threat to me that threat needs to be neutralized. It has nothing to do with guns. It has everything to do with self defense"  
[X Link](https://x.com/HomeLoanBill/status/1845897341556961592)  2024-10-14T18:39Z [---] followers, [----] engagements


"@DOFFMAN_BTC @jennyai @HoopMixOnly an imaginary rule that I apparently made up in my head (I was wrong)"  
[X Link](https://x.com/HomeLoanBill/status/1851256275998294421)  2024-10-29T13:34Z [---] followers, [----] engagements


"@JuMosq It absolutely was the correct call"  
[X Link](https://x.com/anyuser/status/1853265879082963441)  2024-11-04T02:39Z [---] followers, 28K engagements


"@josephrdailey @TheMonologist Its playful flirting between two people. Nothing more"  
[X Link](https://x.com/HomeLoanBill/status/1859938146953425004)  2024-11-22T12:33Z [---] followers, [----] engagements


"@RampCapitalLLC I still have a permanent imprint on my thumb from these"  
[X Link](https://x.com/HomeLoanBill/status/1861231511346848155)  2024-11-26T02:12Z [---] followers, [----] engagements


"@picturelady1959 @MaxwellFrostFL Ok Ill bite What is the highest interest rate a credit card should be able to charge"  
[X Link](https://x.com/anyuser/status/1861992783386427403)  2024-11-28T04:37Z [---] followers, [----] engagements


"@bill92384 @picturelady1959 @MaxwellFrostFL For unsecured lending Good luck finding any institution thats willing to risk that for 6%"  
[X Link](https://x.com/anyuser/status/1862149891662721331)  2024-11-28T15:01Z [---] followers, [----] engagements


"@AnnieAgar @agar_john You two are my favorite"  
[X Link](https://x.com/anyuser/status/1862243584377864389)  2024-11-28T21:14Z [---] followers, 98.2K engagements


"@dumbtwt7 Sex is far more psychological and spiritual than physical"  
[X Link](https://x.com/HomeLoanBill/status/1862673634508063212)  2024-11-30T01:42Z [---] followers, 234.7K engagements


"@MAFcreator @dumbtwt7 Ok"  
[X Link](https://x.com/HomeLoanBill/status/1862843658736660770)  2024-11-30T12:58Z [---] followers, [----] engagements


"@bunkbear @dumbtwt7 Youll understand when youre older"  
[X Link](https://x.com/HomeLoanBill/status/1862843793952686470)  2024-11-30T12:59Z [---] followers, [----] engagements


"@lionsfanreport If the Bills called the Lions and offered a straight up trade the Lions wouldnt be able to pack Goffs bags fast enough. If the Lions called the Bills and offered a straight up trade the Bills wouldnt be able to hang up the phone fast enough"  
[X Link](https://x.com/HomeLoanBill/status/1868368434582765596)  2024-12-15T18:52Z [---] followers, [----] engagements


"@RGIII @MiamiDolphins @NFL *searches for video of Grant Dubose*"  
[X Link](https://x.com/anyuser/status/1868390199006507132)  2024-12-15T20:18Z [---] followers, 91.7K engagements


"@zacobson How many flags/fines did Joseph receive for his hits"  
[X Link](https://x.com/HomeLoanBill/status/1874834393631789203)  2025-01-02T15:05Z [---] followers, [----] engagements


"@Gamer89PC @ThiccStauskas @bombtownmice Im a good parent. I couldnt care less"  
[X Link](https://x.com/HomeLoanBill/status/1875012112730476958)  2025-01-03T02:51Z [---] followers, [----] engagements


"@WorldofIsaac Broseeing you post is something good that happened to me recently"  
[X Link](https://x.com/anyuser/status/1880248426958581828)  2025-01-17T13:38Z [---] followers, [----] engagements


"@LemonLymancom Theres literally no one in the world I dont hate right now"  
[X Link](https://x.com/HomeLoanBill/status/1882789738744258794)  2025-01-24T13:57Z [---] followers, [----] engagements


"Thats because you blocked them all @VladTheInflator. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1884214805537669589)  2025-01-28T12:19Z [---] followers, 11.6K engagements


"It blows my mind that there are people on this platform who look at this map and with a straight face say there is no housing shortage"  
[X Link](https://x.com/HomeLoanBill/status/1885817700108177689)  2025-02-01T22:29Z [---] followers, 20.9K engagements


"@Geosquare_"  
[X Link](https://x.com/HomeLoanBill/status/1889648351521505785)  2025-02-12T12:10Z [---] followers, [----] engagements


"Two things 1) Darth is (mostly) correct. 2) Darth is part of the 99.99999%"  
[X Link](https://x.com/HomeLoanBill/status/1889690240715047405)  2025-02-12T14:57Z [---] followers, 21.2K engagements


"There are only two times since [----] when mortgage rates fell below 5%. Both involved worldwide economic catastrophe followed by the Fed purchasing MBS. 6% is the new 4%"  
[X Link](https://x.com/anyuser/status/1890370591846187096)  2025-02-14T12:00Z [---] followers, [----] engagements


"@theBishopAmish @nypost Ordained minister here. Youre wrong"  
[X Link](https://x.com/HomeLoanBill/status/1891821450362810580)  2025-02-18T12:05Z [---] followers, [----] engagements


"@theBishopAmish @nypost I dont care"  
[X Link](https://x.com/HomeLoanBill/status/1891823735746814297)  2025-02-18T12:15Z [---] followers, [----] engagements


"What most people do not understand about FHA loans is that while the program does allow for sub [---] scores up to 57% DTI and a down payment as low as 3.5% its impossible to get someone who has all three of these criteria through underwriting. If someone has a sub [---] credit score theyre typically going to need at least a 5% down payment (plus at least one month of reserve assets) a housing DTI less than 30% and a total DTI of less than 50%. If someone has a 57% DTI it typically means their credit score is above [---] and they have reserve assets. This is not to say that high-risk buyers never"  
[X Link](https://x.com/anyuser/status/1894359149439586627)  2025-02-25T12:09Z [---] followers, [----] engagements


"@cousin_vanko @Live_Under_Par @GayBearRes My eye is on OnlyFans. [----] is the first year revenue declined (from $6.6 billion in [----] to $6.3 billion in 2024)"  
[X Link](https://x.com/HomeLoanBill/status/1896015153399021696)  2025-03-02T01:50Z [---] followers, 13.3K engagements


"@cousin_vanko @Live_Under_Par @GayBearRes Ive heard that. Their income is someone elses disposable income"  
[X Link](https://x.com/HomeLoanBill/status/1896016212431409269)  2025-03-02T01:54Z [---] followers, 10.7K engagements


"Once again Danielle doesnt get it. The last time was *nothing* like today. Never before were so many homes either leveraged with mortgage interest rates at 4% or lower *or* with no mortgage at all. Also QM is a thing now (has been since 2011). Question of the Day: Why will this disconnect be rectified DIFFERENTLY than it was last time the gap closed In other words HOW is this time different (Platitudes understandable in the absence of quantifiable evidence data & facts but the latter are so much more welcome.) https://t.co/KFacXedQA6 Question of the Day: Why will this disconnect be rectified"  
[X Link](https://x.com/anyuser/status/1902346985941635200)  2025-03-19T13:10Z [---] followers, 18.1K engagements


"Johnnys whole shtik is posting one of these FHA scenarios per day to keep doom seekers excited. Heres the thing if he posted *TWENTY* of these loan scenarios per day it would take him *a full year* to reach just 1% of all FHA loans originated *in 2024* (a light year). 😂 FHA Move-in Special Turn [--] months of NOT paying the mortgage into a FREE refinance $50000 interest free loan from FHA and 15% lower payment ON A NEWLY PURCHASED HOUSE. Kills credit but everyone can do. Is THAT what we want @SecTurnerPress FHA Loan of the Day 1/5 FHA Move-in Special Turn [--] months of NOT paying the mortgage"  
[X Link](https://x.com/anyuser/status/1902819197861724418)  2025-03-20T20:27Z [---] followers, 13.9K engagements


"@mortgagetruth Apparently you havent heard about FHA mortgages"  
[X Link](https://x.com/HomeLoanBill/status/1904560157670985824)  2025-03-25T15:45Z [---] followers, [----] engagements


"Colin has a point but we should all *hope* that we never see 3% mortgage rates again (because that means something very bad has happened to the economy). Whenever someone writes "3% mortgage rates are not coming back" I think to myself they probably are somehow. Whenever someone writes "3% mortgage rates are not coming back" I think to myself they probably are somehow"  
[X Link](https://x.com/anyuser/status/1905265146634584553)  2025-03-27T14:26Z [---] followers, 12.7K engagements


"Is there anyone more insufferable than this man"  
[X Link](https://x.com/anyuser/status/1905602677821538505)  2025-03-28T12:47Z [---] followers, 14.2K engagements


"FHA loans make up for about 15% of all mortgages. If 13.53% of FHA loans are delinquent that comes out to 2.03% of all mortgages. 40% of homes are owned without a mortgage. That means delinquent FHA loans make up for only 1.22% of all homes. 🥱🥱🥱 Yes it is.we finally have December's report And it's not looking any better https://t.co/cDtOre87So Yes it is.we finally have December's report And it's not looking any better https://t.co/cDtOre87So"  
[X Link](https://x.com/anyuser/status/1907406990545973427)  2025-04-02T12:17Z [---] followers, 31K engagements


"Bro If you are looking to buy a home in America especially with interest rates coming down thanks to President Trump please visit Fannie Mae or Freddie Macs websites for a list of Great Lenders. Thank you If you are looking to buy a home in America especially with interest rates coming down thanks to President Trump please visit Fannie Mae or Freddie Macs websites for a list of Great Lenders. Thank you"  
[X Link](https://x.com/anyuser/status/1910744443222622374)  2025-04-11T17:19Z [---] followers, 16.3K engagements


"@KevonLooneyMuse @LegionHoops 11th in scoring and 6th in assistsat FORTY YEARS OLD. 🤣"  
[X Link](https://x.com/HomeLoanBill/status/1910946771670360426)  2025-04-12T06:43Z [---] followers, 11.1K engagements


"@NewsLambert Peoria IL - Fewer and fewer listings. Its a desert out here. Buyer demand is still very strong as March saw its highest closed sales per new listing ratio possibly ever (I only have access to data going back as far as 2015)"  
[X Link](https://x.com/HomeLoanBill/status/1914337370368868737)  2025-04-21T15:16Z [---] followers, [----] engagements


"Heres your reminder that an FHA delinquency rate of 11% represents less than 1% of all SFRs in the US. @VladTheInflator FHA loans now have a delinquency rate over 11%. Additionally pandemic forbearance programs all expire in [----]. Everyone is trying to sell before they end up in foreclosure. @VladTheInflator FHA loans now have a delinquency rate over 11%. Additionally pandemic forbearance programs all expire in [----]. Everyone is trying to sell before they end up in foreclosure"  
[X Link](https://x.com/HomeLoanBill/status/1919392175781040353)  2025-05-05T14:02Z [---] followers, [----] engagements


"@h6pjhxdsi @Thebestfigen"  
[X Link](https://x.com/HomeLoanBill/status/1924483199419203951)  2025-05-19T15:12Z [---] followers, 54.8K engagements


"@AndrewDBailey Make it like hockey. A flop results in the player having to sit in a penalty box for two minutes and theres a [--] on [--] for those two minutes. 🤣"  
[X Link](https://x.com/HomeLoanBill/status/1927370549036003522)  2025-05-27T14:25Z [---] followers, [----] engagements


"A story about how a bird in the hand is worth two in the bush In October of [----] (when mortgage rates crossed the 7% threshold for the first time in two decades) I advised a buyer (and their realtor) to negotiate for a $7000 seller credit so that we could permanently buy down his mortgage rate from 6.75% down to 6% (on a $312k loan). I posted about it on Facebook where I tried to encourage realtors to revisit this once popular strategy to combat against rising mortgage rates. The amount of (public) criticism I received from other mortgage lenders was nothing short of shocking. Bad advice when"  
[X Link](https://x.com/anyuser/status/1927778338908655770)  2025-05-28T17:25Z [---] followers, [----] engagements


"Realtors - Please help me understand why I dont see existing homes marketed with a $10000 seller credit instead of a $10000 price reduction"  
[X Link](https://x.com/anyuser/status/1928819767428649016)  2025-05-31T14:24Z [---] followers, 111.4K engagements


"I *really* hate this man"  
[X Link](https://x.com/anyuser/status/1935491073398210830)  2025-06-19T00:13Z [---] followers, 17.2K engagements


"@MacroEdgeRes This is so silly. You cant use Apple/Amazon/Nvidia shares to buy homes. You have to liquidate. Same with bitcoin"  
[X Link](https://x.com/anyuser/status/1937955025113808899)  2025-06-25T19:24Z [---] followers, [----] engagements


"1) Most people only in their homes for about [--] years. 2) Most people pay nothing close to $4000/month on their mortgage. 3) Assuming a rate of return of at least 7% youre better off investing the extra payment than paying down your mortgage (rate of 6.75%)"  
[X Link](https://x.com/anyuser/status/1938302261765279808)  2025-06-26T18:24Z [---] followers, [----] engagements


"Allow me to interpret Literally zero news outlets found my statement to be newsworthyso"  
[X Link](https://x.com/HomeLoanBill/status/1940429018983264386)  2025-07-02T15:15Z [---] followers, [----] engagements


"Far too many people say this without thinking it through. A 6.75% rate puts a $400k home at a monthly payment of about $2700 (assuming a 20% down payment and including averages for taxes/insurance). A 5% rate puts the same house payment at about $2330. To get that same $2330 payment at a mortgage rate of 6.75% (assuming $80k down payment and reduced taxes) the home price would have to drop by about $48000which would put us back to Q1 [----] prices (with [----] incomes). But lets assume home prices did fall by 12%now what 71.3% of mortgage holders (would-be sellers) have mortgage rate lower than"  
[X Link](https://x.com/anyuser/status/1940470987432046944)  2025-07-02T18:01Z [---] followers, 14.2K engagements


"Me when AUS wont approve a 28/42% DTI [---] FICO 95% LTV conventional loan"  
[X Link](https://x.com/anyuser/status/1942307611518632142)  2025-07-07T19:39Z [---] followers, 11.2K engagements


"@AdamLehrerSP Maybe just say that you didnt care for the movie"  
[X Link](https://x.com/HomeLoanBill/status/1942588893813170443)  2025-07-08T14:17Z [---] followers, 13.4K engagements


"@AdamLehrerSP @mediocroteez Grow up"  
[X Link](https://x.com/HomeLoanBill/status/1942589459440230796)  2025-07-08T14:19Z [---] followers, [----] engagements


"@AdamLehrerSP @mediocroteez Just admit youre a racist"  
[X Link](https://x.com/HomeLoanBill/status/1942590372812579119)  2025-07-08T14:23Z [---] followers, [----] engagements


"@moldy_james @AdamLehrerSP This proves his point. Noit really doesnt. 🤣"  
[X Link](https://x.com/HomeLoanBill/status/1942690158773665958)  2025-07-08T21:00Z [---] followers, [---] engagements


"I give up [----] credit score -96.5% LTV -6% seller credit needed -No reserves DU: Its fine (probably)"  
[X Link](https://x.com/anyuser/status/1943370923245023534)  2025-07-10T18:05Z [---] followers, [----] engagements


"I will be mocking you shortly. 🙃"  
[X Link](https://x.com/anyuser/status/1943746724431909369)  2025-07-11T18:58Z [---] followers, [----] engagements


"Im starting a list (thread) of accounts whose block I wear as a badge of honor. First on my list is @pulte"  
[X Link](https://x.com/anyuser/status/1944052450417090692)  2025-07-12T15:13Z [---] followers, 11.7K engagements


"Ive never witnessed a man so desperate for approval"  
[X Link](https://x.com/anyuser/status/1944558647268323353)  2025-07-14T00:44Z [---] followers, 18K engagements


"Builders should be subject to the same contribution limitations as sellers of existing homes. Otherwise youre creating two entirely different housing markets within the same market. This quote from one of our team members who just completed a market study in Jacksonville was too good not to share. The incentives are so outrageous that the sales are misleading. Theyre just giving it away. This quote from one of our team members who just completed a market study in Jacksonville was too good not to share. The incentives are so outrageous that the sales are misleading. Theyre just giving it away"  
[X Link](https://x.com/anyuser/status/1944755894585082252)  2025-07-14T13:48Z [---] followers, [----] engagements


"Just sayin 🙃"  
[X Link](https://x.com/anyuser/status/1945910026884854205)  2025-07-17T18:14Z [---] followers, 13.3K engagements


"@NewsLambert I keep telling people"  
[X Link](https://x.com/HomeLoanBill/status/1945978548667191365)  2025-07-17T22:46Z [---] followers, [----] engagements


"@JG18128910"  
[X Link](https://x.com/anyuser/status/1946533624406245519)  2025-07-19T11:32Z [---] followers, 20.3K engagements


"@JG18128910 I think you were looking in the mirror"  
[X Link](https://x.com/HomeLoanBill/status/1946545003892797525)  2025-07-19T12:17Z [---] followers, [----] engagements


"@timgill924 🙄 Im no fan of Charlie Kirk but most high schoolers could pass Sociology 101"  
[X Link](https://x.com/HomeLoanBill/status/1947465277824008378)  2025-07-22T01:14Z [---] followers, [----] engagements


"@CollinRugg The officer should also be charged with assault"  
[X Link](https://x.com/HomeLoanBill/status/1947498483336024238)  2025-07-22T03:26Z [---] followers, [----] engagements


"@spinningjoe Dont care"  
[X Link](https://x.com/HomeLoanBill/status/1947619518341087733)  2025-07-22T11:27Z [---] followers, [----] engagements


"Imagine thinking the stripper really likes you"  
[X Link](https://x.com/HomeLoanBill/status/1948877052037181628)  2025-07-25T22:44Z [---] followers, [----] engagements


"@ayaonx Not even close to being true"  
[X Link](https://x.com/HomeLoanBill/status/1948938955996504424)  2025-07-26T02:50Z [---] followers, 20.2K engagements


"@aubrey_huff Your name is Aubrey"  
[X Link](https://x.com/HomeLoanBill/status/1952015554983702544)  2025-08-03T14:35Z [---] followers, [----] engagements


"I said what I said"  
[X Link](https://x.com/anyuser/status/1953060690798809356)  2025-08-06T11:48Z [---] followers, [----] engagements


"Today is the first time in my lending career that I have thought I dont want to do this anymore. Just an absolute nightmare of a loan situation that just got worse (supposed to close tomorrow at 9amand the POA has the wrong lender on it). 😣"  
[X Link](https://x.com/HomeLoanBill/status/1953606093185466547)  2025-08-07T23:56Z [---] followers, 11.4K engagements


"Crash Daddy More like Ive been wrong about almost everything Daddy"  
[X Link](https://x.com/anyuser/status/1957797690944725288)  2025-08-19T13:31Z [---] followers, 63.7K engagements


"@midwestern_ope Im not sure Ive ever cared less about a thing"  
[X Link](https://x.com/HomeLoanBill/status/1958562157102002429)  2025-08-21T16:09Z [---] followers, [----] engagements


"@hoomansv You must have hit a sore spot. 🤣"  
[X Link](https://x.com/HomeLoanBill/status/1959023156410319155)  2025-08-22T22:41Z [---] followers, [----] engagements


"@LemonLymancom SO FAR UP YOUR ASS"  
[X Link](https://x.com/HomeLoanBill/status/1959318156821836031)  2025-08-23T18:13Z [---] followers, [----] engagements


"Real estate/mortgage expert thinks she understands what the word amortization means but absolutely does not. 😆 @zaqud1967 @pulte Ive been in the real estate and mortgage industry for over [--] years so Im an expert @zaqud1967 @pulte Ive been in the real estate and mortgage industry for over [--] years so Im an expert"  
[X Link](https://x.com/anyuser/status/1961117147632959623)  2025-08-28T17:22Z [---] followers, 102.8K engagements


"@GodzillaBort Sir please do the math before saying stuff like this. A $100000 loan at 5% interest amortized over [---] months would result in paying LESS interest than the method you just proposed"  
[X Link](https://x.com/anyuser/status/1961226760932221038)  2025-08-29T00:37Z [---] followers, [----] engagements


"@ayeejuju I bet youre all wondering how I got here"  
[X Link](https://x.com/HomeLoanBill/status/1963441380400799917)  2025-09-04T03:17Z [---] followers, 33.8K engagements

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