# ![@mortgagetruth Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::46993.png) @mortgagetruth Colin Robertson

Colin Robertson posts on X about mortgage rate, rates, fed, housing market the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::46993/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::46993/c:line/m:interactions.svg)

- [--] Week [------] +52%
- [--] Month [---------] +89%
- [--] Months [---------] +54%
- [--] Year [---------] +42%

### Mentions: [--] [#](/creator/twitter::46993/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::46993/c:line/m:posts_active.svg)

- [--] Month [--] -82%
- [--] Months [---] +30%
- [--] Year [-----] -1.80%

### Followers: [-----] [#](/creator/twitter::46993/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::46993/c:line/m:followers.svg)

- [--] Week [-----] +0.19%
- [--] Month [-----] +2.90%
- [--] Months [-----] +14%
- [--] Year [-----] +41%

### CreatorRank: [-------] [#](/creator/twitter::46993/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::46993/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  52.6% [stocks](/list/stocks)  2.31% [cryptocurrencies](/list/cryptocurrencies)  1.73% [countries](/list/countries)  1.16% [social networks](/list/social-networks)  0.58% [technology brands](/list/technology-brands)  0.58% [financial services](/list/financial-services)  0.58% [nba](/list/nba)  0.58% [automotive brands](/list/automotive-brands)  0.58% [celebrities](/list/celebrities)  0.58%

**Social topic influence**
[mortgage rate](/topic/mortgage-rate) #54, [rates](/topic/rates) 15.03%, [fed](/topic/fed) 4.05%, [housing market](/topic/housing-market) #114, [money](/topic/money) 2.31%, [shutdown](/topic/shutdown) 2.31%, [in the](/topic/in-the) 1.73%, [government shutdown](/topic/government-shutdown) 1.73%, [history](/topic/history) 1.16%, [the new](/topic/the-new) 1.16%

**Top accounts mentioned or mentioned by**
[@rogainetrader](/creator/undefined) [@pulte](/creator/undefined) [@gmillermortgage](/creator/undefined) [@sacappraiser](/creator/undefined) [@mortconsumcoach](/creator/undefined) [@newslambert](/creator/undefined) [@mikesimonsen](/creator/undefined) [@matthewcarrell](/creator/undefined) [@ericjackson](/creator/undefined) [@pepemoonboy](/creator/undefined) [@viscountallenby](/creator/undefined) [@downw21](/creator/undefined) [@macroedgeres](/creator/undefined) [@tradingthomas3](/creator/undefined) [@texasrunnerdfw](/creator/undefined) [@aaronmontell](/creator/undefined) [@solwoldjr74](/creator/undefined) [@econstratpb](/creator/undefined) [@shawnrealty](/creator/undefined) [@mortgagenewsmnd](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"A "framework" has been reached between the President and NATO regarding Greenland. That means NO tariffs on various European countries that were set to begin Feb. 1st. Bond yields are already down about five ticks but if history is any gauge this is probably not the last we'll hear of this. So take caution when floating mortgage rates. https://twitter.com/i/web/status/2014096438784041062 https://twitter.com/i/web/status/2014096438784041062"  
[X Link](https://x.com/mortgagetruth/status/2014096438784041062)  2026-01-21T22:03Z [----] followers, [----] engagements


"A new proposal would completely eliminate LLPAs on rate and term refis. Existing Fannie/Freddie loans could be refinanced w/o various pricing hits if the borrower had a clean payment history. End result is more refis pencil while also reducing default risk via a lower monthly payment. https://twitter.com/i/web/status/2014426352192250253 https://twitter.com/i/web/status/2014426352192250253"  
[X Link](https://x.com/mortgagetruth/status/2014426352192250253)  2026-01-22T19:54Z [----] followers, [----] engagements


"In California inherited homes outpace new home sales. And for the first time ever inheritance transfers more than doubled new home sales in the state. Kind of sums up the housing crisis in California"  
[X Link](https://x.com/mortgagetruth/status/2015087442836193445)  2026-01-24T15:40Z [----] followers, [----] engagements


"There is very little historical correlation between home prices and mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/2016204538588627298)  2026-01-27T17:39Z [----] followers, [----] engagements


"Texas-based home builder Megatel Homes is offering 30-year fixed mortgage rates as low as 2.99%. The catch is you have to make mortgage payments using their digital currency known as the MegPrime (MP) token via their MegPrime bill pay service"  
[X Link](https://x.com/mortgagetruth/status/2016530105028546694)  2026-01-28T15:13Z [----] followers, [----] engagements


"@DaveRamsey The good news is many Americans have 2-4% 30-year fixed mortgage rates that get cheaper over time as the dollar erodes"  
[X Link](https://x.com/mortgagetruth/status/2016575885575688655)  2026-01-28T18:15Z [----] followers, [---] engagements


"Trump on mortgage rates last night: When youre really good you can get em down despite everything cause ultimately it just sort of follows nature. By the way when we have a great Fed chairman I think were gonna have one Ill announce it pretty soon. Youll see rates come down A LOT. https://twitter.com/i/web/status/2016580816554610952 https://twitter.com/i/web/status/2016580816554610952"  
[X Link](https://x.com/mortgagetruth/status/2016580816554610952)  2026-01-28T18:35Z [----] followers, [----] engagements


"Mortgage rates follow nature not bond yields"  
[X Link](https://x.com/mortgagetruth/status/2016895490898723180)  2026-01-29T15:25Z [----] followers, [----] engagements


"My take on Warsh assuming he's the same man he was during the housing crisis in the early 2000s. One less path to significantly lower mortgage rates b/c he doesn't believe in large-scale asset purchases (QE) and ZIRP. So the one remaining path to lower mortgage rates would be economic destruction. https://twitter.com/i/web/status/2017282292528676878 https://twitter.com/i/web/status/2017282292528676878"  
[X Link](https://x.com/mortgagetruth/status/2017282292528676878)  2026-01-30T17:02Z [----] followers, 10.4K engagements


"Some have argued he's become more dovish and would only have been nominated if he indicated that to the President. So perhaps he'll be more accommodative than many expect. Though chance of another round QE still seems very unlikely as he remains hawkish on the balance sheet"  
[X Link](https://x.com/mortgagetruth/status/2017283843586392334)  2026-01-30T17:08Z [----] followers, [----] engagements


"That means only financial collapse would get us the 3-4% mortgage rates we've constantly been promised under the new administration. If we simply get more cuts and softer economic data it'd be reasonable to expect only marginally lower mortgage rates. Perhaps the 5s at best"  
[X Link](https://x.com/mortgagetruth/status/2017288881813807187)  2026-01-30T17:28Z [----] followers, [---] engagements


"@RogaineTrader So where do you see him on rate cuts and asset purchases this time around I could see Powell being a hair more dovish"  
[X Link](https://x.com/mortgagetruth/status/2017290013868986861)  2026-01-30T17:33Z [----] followers, [---] engagements


"I noticed a lot more open house signs while driving around LA over the weekend. Upon looking up one of the listing I discovered there were four homes for sale on a single street in close proximity. I dug in more and [--] out of the [--] homes were relisted from last year"  
[X Link](https://x.com/mortgagetruth/status/2018339712411611314)  2026-02-02T15:04Z [----] followers, [---] engagements


"@SenSanders You do wonder if folks will charge up even more debt if rates are capped at 10%"  
[X Link](https://x.com/mortgagetruth/status/2018450003321295127)  2026-02-02T22:22Z [----] followers, [----] engagements


"The jobs report has been delayed until the shutdown ends whenever that'll be. It's the biggest potential mover for mortgage rates on the calendar. But interestingly mortgage rates tend to fall during shutdowns"  
[X Link](https://x.com/mortgagetruth/status/2018705550809129237)  2026-02-03T15:18Z [----] followers, [---] engagements


"@sonusvarghese I dont think anyone outside Twitter takes Truflation seriously"  
[X Link](https://x.com/mortgagetruth/status/2018778667263074518)  2026-02-03T20:08Z [----] followers, [----] engagements


"Rocket Companies CEO Varun Krishna on Squawk Box: "We're not really a mortgage company anymore." "We're an end-to-end ecosystem." "We have origination we have servicing we have a home search experience." "We want to be our consumer's lender for life.""  
[X Link](https://x.com/mortgagetruth/status/2018785850138751407)  2026-02-03T20:37Z [----] followers, [----] engagements


"@RogaineTrader Im just saying he has it all covered. Cuts if bullish or bearish. All roads lead to cuts and him getting nominated as a result. Whether he has the votes is another question"  
[X Link](https://x.com/mortgagetruth/status/2018835546584539464)  2026-02-03T23:54Z [----] followers, [--] engagements


"@jholman1219 @RayDalio Not sure we can ever learn to stop spending"  
[X Link](https://x.com/mortgagetruth/status/2018836430488027454)  2026-02-03T23:58Z [----] followers, [--] engagements


"@HedgieMarkets Now do McDonalds Taco Bell etc"  
[X Link](https://x.com/mortgagetruth/status/2018937422462296359)  2026-02-04T06:39Z [----] followers, [---] engagements


"@jayparsons But rents are down"  
[X Link](https://x.com/mortgagetruth/status/2019067508267815380)  2026-02-04T15:16Z [----] followers, [---] engagements


"@KevRGordon Theres a lot of optimism as we start the. New year. Does it typically fade Isnt there that sell in May thing"  
[X Link](https://x.com/mortgagetruth/status/2019156201154757085)  2026-02-04T21:08Z [----] followers, [---] engagements


"@viscountallenby @downW21 Tricky being household name and cheapest in any business I suppose"  
[X Link](https://x.com/mortgagetruth/status/2019230570707054762)  2026-02-05T02:04Z [----] followers, [--] engagements


"@pitdesi Cant you just ask for no rice and not wait ina monster line"  
[X Link](https://x.com/mortgagetruth/status/2019442395796902096)  2026-02-05T16:06Z [----] followers, [--] engagements


"@josephwang One bad jobs report changes the narrative"  
[X Link](https://x.com/mortgagetruth/status/2019442669378744807)  2026-02-05T16:07Z [----] followers, [---] engagements


"Mortgage rates are psychological even if the difference in monthly payment is negligible. The reason why is home buyers are HIGHLY emotional. For example a new survey found 2/3 of buyers would postpone the purchase if mortgage rates rise "even slightly from todays level." It doesn't help that most now only think a rate is "good" if it's below 5%. https://twitter.com/i/web/status/2019456380919542009 https://twitter.com/i/web/status/2019456380919542009"  
[X Link](https://x.com/mortgagetruth/status/2019456380919542009)  2026-02-05T17:01Z [----] followers, [----] engagements


"@Hedgeye In truth new homes have been significantly cheaper for a while now thanks to massively bought down mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/2019468645370339668)  2026-02-05T17:50Z [----] followers, [---] engagements


"@EstateBets1135 Its why prices end in .99. No different for mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/2019468948870209757)  2026-02-05T17:51Z [----] followers, [--] engagements


"Another bank is throwing in the towel on mortgages. Amalgamated Bank will direct customers seeking a mortgage to use its new partner Embrace Home Loans. The direct lender will originate and service mortgages through a platform designed specifically for the banks customers"  
[X Link](https://x.com/mortgagetruth/status/2019508270768222453)  2026-02-05T20:27Z [----] followers, [---] engagements


"@QuiverQuant 62% doesnt look that good if were honest even if the bar is super low"  
[X Link](https://x.com/mortgagetruth/status/2019529689224868031)  2026-02-05T21:52Z [----] followers, [----] engagements


"@Geiger_Capital But mortgage rates will love it"  
[X Link](https://x.com/mortgagetruth/status/2019530000454840574)  2026-02-05T21:54Z [----] followers, [----] engagements


"FYI the (delayed) January jobs report is due out next Wednesday at 8:30am EST. It might have the potential to push mortgage rates back sub-6%. Or reverse what's happening right now"  
[X Link](https://x.com/mortgagetruth/status/2019542915677319423)  2026-02-05T22:45Z [----] followers, [----] engagements


"@mitchellvii Did this with Disney and they told me pound sand"  
[X Link](https://x.com/mortgagetruth/status/2019553092120015263)  2026-02-05T23:25Z [----] followers, [---] engagements


"Ive been told theyll be referred to as mortgages and feature a fixed interest rate and 30-year loan term. JUST IN: Klarna-like buy now pay later may soon be available for Americans renting homes/apartments per CNBC. JUST IN: Klarna-like buy now pay later may soon be available for Americans renting homes/apartments per CNBC"  
[X Link](https://x.com/mortgagetruth/status/2019790584748089830)  2026-02-06T15:09Z [----] followers, [----] engagements


"@darioperkins Kind of the problem of the past 10+ years. Same with housing market. Nobody knows what it's like a for home to "sit on the market" for longer than [--] days"  
[X Link](https://x.com/mortgagetruth/status/2019805142716129372)  2026-02-06T16:07Z [----] followers, [---] engagements


"While folks are right to point out that rooting for an economic downturn in order to get lower mortgage rates is somewhat counterintuitive. Consider that even if your stocks/401k/etc. goes down temporarily you might be able to lock in a cheaper 30-year fixed for the next three decades. Then watch your investments rise over time as you continue to enjoy your lower rate. https://twitter.com/i/web/status/2019826638041804819 https://twitter.com/i/web/status/2019826638041804819"  
[X Link](https://x.com/mortgagetruth/status/2019826638041804819)  2026-02-06T17:32Z [----] followers, [----] engagements


"@MacroEdgeRes @RESightsbyME @MacroEdgeVision All eyes 👀 on Wednesday"  
[X Link](https://x.com/mortgagetruth/status/2019880539105423665)  2026-02-06T21:07Z [----] followers, [--] engagements


"@mikesimonsen I respect it. I had a college professor who did this and only took it out for the Super Bowl. Totally reminded me of him and Ive never forgotten the guy. Said why would you constantly watch something that makes you feel bad about yourself"  
[X Link](https://x.com/mortgagetruth/status/2020164764937199817)  2026-02-07T15:56Z [----] followers, [--] engagements


"@TradingThomas3 Anything to avoid that January jobs report. Sheesh"  
[X Link](https://x.com/mortgagetruth/status/2020165648073236643)  2026-02-07T15:59Z [----] followers, [---] engagements


"My buddy's portfolio got absolutely wrecked this week. He's basically all-in on the coins and the data centers that support the coins etc. etc. What's crazier though is he only contributed $8000 a few years ago w/ no further contributions"  
[X Link](https://x.com/mortgagetruth/status/2020168220800688501)  2026-02-07T16:10Z [----] followers, [----] engagements


"@texasrunnerDFW Ehhhtoo much uncertainty and Challenger isnt enough. Need decidedly cold NFP which we might get next week"  
[X Link](https://x.com/mortgagetruth/status/2020179116578976183)  2026-02-07T16:53Z [----] followers, [---] engagements


"@1RentalataTime Truflation isnt taken seriously"  
[X Link](https://x.com/mortgagetruth/status/2020528936531145067)  2026-02-08T16:03Z [----] followers, [---] engagements


"@thogge @RobinhoodApp @AmericanExpress No one card is a winner. Ultimately your best move is getting sign up bonuses over and over and having little to no loyalty"  
[X Link](https://x.com/mortgagetruth/status/2020529827602718906)  2026-02-08T16:07Z [----] followers, [---] engagements


"@AaronMontell Let me know. Would like to read it"  
[X Link](https://x.com/mortgagetruth/status/2020574521145872782)  2026-02-08T19:04Z [----] followers, [--] engagements


"@Solwoldjr74 Im liking this new meme"  
[X Link](https://x.com/mortgagetruth/status/2020599717827428455)  2026-02-08T20:44Z [----] followers, [---] engagements


"@EconstratPB Indeed. Weather cant be matched. Sorry Florida"  
[X Link](https://x.com/mortgagetruth/status/2020602776024404077)  2026-02-08T20:56Z [----] followers, [----] engagements


"@RogaineTrader Yes its why lower rate projections arent a huge boon for home sales but refis pick up quite a bit"  
[X Link](https://x.com/mortgagetruth/status/2020979671706501582)  2026-02-09T21:54Z [----] followers, [--] engagements


"@holden_bukowski @pulte They apparently bought some late last year. And rates are lower post that news so might mostly be baked anyway"  
[X Link](https://x.com/mortgagetruth/status/2020979895762026826)  2026-02-09T21:55Z [----] followers, [--] engagements


"@MortConsumCoach Most consumers paying points these days whether they understand it or not"  
[X Link](https://x.com/mortgagetruth/status/2021617425972867368)  2026-02-11T16:08Z [----] followers, [--] engagements


"@ShawnRealty Paying extra earlier is always more impactful especially on a higher-rate loan. But many can't afford extra payments these days"  
[X Link](https://x.com/mortgagetruth/status/2021661654484938763)  2026-02-11T19:04Z [----] followers, [--] engagements


"@MatthewCarrell @mortgagereels Should try it. Just say you got a quote of 4%. Dont specify any details whatsoever other than it being a residential loan"  
[X Link](https://x.com/mortgagetruth/status/2021711962338734487)  2026-02-11T22:24Z [----] followers, [--] engagements


"@NewsLambert @jpmorgan Theres a lot of nuance missed just like national home price changes. Metros can be under or over supplied to drive local sentiment"  
[X Link](https://x.com/mortgagetruth/status/2021727852069335281)  2026-02-11T23:27Z [----] followers, [---] engagements


"@Markzandi Given bond yields are flat after a bounce higher says a lot especially after they fell a lot after retail sales"  
[X Link](https://x.com/mortgagetruth/status/2021640585367720088)  2026-02-11T17:40Z [----] followers, [---] engagements


"@NewsLambert Sounds about right. And it's what the housing market needs. Negative price growth in real terms"  
[X Link](https://x.com/mortgagetruth/status/2021641775476257137)  2026-02-11T17:45Z [----] followers, [---] engagements


"@rob_s_simon Yes. Massive revisions for [----] and smaller revisions for November and December. Doesn't quite feel like a year or two ago when things appeared to be heating up"  
[X Link](https://x.com/mortgagetruth/status/2021645819896901950)  2026-02-11T18:01Z [----] followers, [---] engagements


"@RogaineTrader What range do you see today"  
[X Link](https://x.com/mortgagetruth/status/2021646255718617410)  2026-02-11T18:03Z [----] followers, [--] engagements


"Falling mortgage rates are more about spurring refi activity than making home purchases pencil. When rates briefly hit the low 6s in early January the number of borrowers in the money for a refinance surged to nearly 5M. There was a 20% jump (+845k) overnight with the average borrower able to save $370/mo. per ICE. They define "in the money" as being able to lower your interest rate 0.75% or more. https://twitter.com/i/web/status/2020893992955904091 https://twitter.com/i/web/status/2020893992955904091"  
[X Link](https://x.com/mortgagetruth/status/2020893992955904091)  2026-02-09T16:14Z [----] followers, [----] engagements


"@RapidResponse47 @pulte We actually need weaker jobs numbers to get FIXED mortgage rates back in the 5s"  
[X Link](https://x.com/mortgagetruth/status/2021664874032701616)  2026-02-11T19:17Z [----] followers, [---] engagements


"@mortgagenewsmnd Would normally have been much worse especially after dropping a lot on retail sales. Huge W to avoid yet another setback"  
[X Link](https://x.com/mortgagetruth/status/2021702017627103493)  2026-02-11T21:44Z [----] followers, [--] engagements


"@TheHumanoidHub Sounds like Oliver did the theme music"  
[X Link](https://x.com/mortgagetruth/status/2021958718733398359)  2026-02-12T14:44Z [----] followers, [--] engagements


"@TradingThomas3 Prob just higher claims and bad home sales. And jobs report wasnt so hot"  
[X Link](https://x.com/mortgagetruth/status/2022021685944496153)  2026-02-12T18:55Z [----] followers, [---] engagements


"@LoganMohtashami [----] now"  
[X Link](https://x.com/mortgagetruth/status/2022022162295795805)  2026-02-12T18:57Z [----] followers, [--] engagements


"A gentle reminder that mortgage rates tend to be lowest in the month of February. January got off to a very good start this year but if economic data (jobs and CPI) comes in soft we might see new lows for [----]. Pay close attention if you're buying a home or refinancing"  
[X Link](https://x.com/mortgagetruth/status/2020184480305279303)  2026-02-07T17:14Z [----] followers, [----] engagements


"Given the "hot" jobs report delivered today and the fact that bond yields are now flat you can see a real path to mortgage rates firmly in the 5s this year. If this were late [----] mortgage rates would be flying higher on a report like today's. Especially after mortgage rates experienced a big drop the day before. A bounce back would be expected. Instead they're barely changed which makes you wonder what a cold jobs report would do this year. https://twitter.com/i/web/status/2021643774603276673 https://twitter.com/i/web/status/2021643774603276673"  
[X Link](https://x.com/mortgagetruth/status/2021643774603276673)  2026-02-11T17:53Z [----] followers, [----] engagements


"Zillow Home Loans said it added 40% more loan officers in [----] and saw total purchase loan origination volume grow 53% year-over-year to $4.7B. They've also been accused of only giving RE agents leads "if they meet internal quotas for securing pre-approved mortgages" from ZHL"  
[X Link](https://x.com/mortgagetruth/status/2021720635983180169)  2026-02-11T22:58Z [----] followers, 57K engagements


"I got to thinking that mortgage lenders have grown more comfortable with rates at current levels. So rates didn't react (jump higher) after yesterday's HOT jobs report as they might normally. They were essentially flat. Today they fell further thanks to higher jobless claims maybe due to weak existing home sales data as well. The more time rates spend at lower levels e.g. 6% the more solid they become. You can kind of see from the chart that they've spent a decent chunk of time in the low-6s and can perhaps take the next step down. So it also opens the door to move even lower if the data"  
[X Link](https://x.com/mortgagetruth/status/2022006692326817878)  2026-02-12T17:55Z [----] followers, [----] engagements


"@GMillerMortgage Just need clean CPI to keep momentum into 5s"  
[X Link](https://x.com/mortgagetruth/status/2022043075787596092)  2026-02-12T20:20Z [----] followers, [--] engagements


"@mortgagenewsmnd More and more unexpected Ws for mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/2022046541863846269)  2026-02-12T20:33Z [----] followers, [--] engagements


"@TraceyRyniec I think people mean young Millennials and older Gen-Z"  
[X Link](https://x.com/mortgagetruth/status/2022047434063659463)  2026-02-12T20:37Z [----] followers, [--] engagements


"@NickTimiraos The tariff excuse is ready to be deployed"  
[X Link](https://x.com/mortgagetruth/status/2022092274885423220)  2026-02-12T23:35Z [----] followers, [---] engagements


"@DannyDayan5 And the lowest mortgage rates in three years. Strange"  
[X Link](https://x.com/mortgagetruth/status/2022092420339708248)  2026-02-12T23:36Z [----] followers, [---] engagements


"@SacAppraiser Still very early. Don't they say post-SB is when things get going If rates continue on current path I could see a decent uptick. Not NAR double-digit numbers but decent"  
[X Link](https://x.com/mortgagetruth/status/2022103703206174853)  2026-02-13T00:21Z [----] followers, [--] engagements


"@kaitofmind @CAgovernor Also has to be a conforming loan amount"  
[X Link](https://x.com/mortgagetruth/status/2022111980786720855)  2026-02-13T00:53Z [----] followers, [--] engagements


"@RogaineTrader MND uses a [---] FICO 75% LTV no LLPAs otherwise and adjusts rate to account for points. It's mainly psychology here and you're digging too deep"  
[X Link](https://x.com/mortgagetruth/status/1967721435989963061)  2025-09-15T22:45Z [----] followers, [--] engagements


"What are the chances of mortgage rates bouncing higher tomorrow (coinciding w/ the Fed rate cut) after a move like this"  
[X Link](https://x.com/mortgagetruth/status/1968086393273586159)  2025-09-16T22:55Z [----] followers, 14.1K engagements


"Rapidly growing Union Home Mortgage to acquire Folsom CA-based Sierra Pacific Mortgage. The lender did about $2.7B in home loan volume last year with nearly half in its home state. Will give Union Home a large presence in the Golden State where it currently has very little"  
[X Link](https://x.com/mortgagetruth/status/1968332143102431669)  2025-09-17T15:12Z [----] followers, [----] engagements


"Check out the full list of mortgage lender mergers closures and layoffs here. https://www.thetruthaboutmortgage.com/a-list-of-recent-mortgage-closures-mergers-and-layoffs/ https://www.thetruthaboutmortgage.com/a-list-of-recent-mortgage-closures-mergers-and-layoffs/"  
[X Link](https://x.com/mortgagetruth/status/1968332290830000285)  2025-09-17T15:12Z [----] followers, [---] engagements


"Fed rate cuts don't lower long-term mortgage rates. But PIMCO has a plan to get spreads down and lower 30-year fixed rates anywhere from 20-50 bps. Simply by reinvesting MBS roll-off proceeds and/or selling legacy MBS and buying new ones"  
[X Link](https://x.com/mortgagetruth/status/1968372030589517830)  2025-09-17T17:50Z [----] followers, [----] engagements


"The Mortgage News Daily website right now. lol. Calm down folks. Nothing crazy is happening with mortgage rates today"  
[X Link](https://x.com/mortgagetruth/status/1968374080031310046)  2025-09-17T17:58Z [----] followers, [----] engagements


"Look at the 10-year bond yield instead currently dipping just below 4%. Not a huge move lower but might push rates down even more today if it holds. Still have Powell press conference to come"  
[X Link](https://x.com/mortgagetruth/status/1968376954358481232)  2025-09-17T18:10Z [----] followers, [---] engagements


"And now the 10-year yield is UP. So mortgage rates might bounce a little higher today as was not unexpected"  
[X Link](https://x.com/mortgagetruth/status/1968384580026777752)  2025-09-17T18:40Z [----] followers, [----] engagements


"I think we all knew mortgage rates were going to bounce higher post-Fed cut. They've "defied the Fed" [--] out of the past [--] times so the odds were in its favor. Not that this necessarily matters long term but it's a consideration when thinking about locking a rate"  
[X Link](https://x.com/mortgagetruth/status/1968728234004009051)  2025-09-18T17:26Z [----] followers, [----] engagements


"@NewsLambert The big run lower prior to the cut was bound to hit a roadblock. But chances are it'll get back on track if econ data continues on same course"  
[X Link](https://x.com/mortgagetruth/status/1968734545940758678)  2025-09-18T17:51Z [----] followers, [----] engagements


"@PeterSchiff Orrrrr it's just a short-term blip. Can't make a big read from two days. Bond yields were bound to blow off steam following such a strong rally lower"  
[X Link](https://x.com/mortgagetruth/status/1968734895829573654)  2025-09-18T17:52Z [----] followers, [----] engagements


"@texasrunnerDFW This has been the case more often than not lately. In fact in [--] of the past [--] Fed decisions mortgage rates went the opposite way. I chalk it up to a sell the news kind of deal since the Fed policy is always well telegraphed. But depends what else is happening on the day"  
[X Link](https://x.com/mortgagetruth/status/1968742933915431249)  2025-09-18T18:24Z [----] followers, [----] engagements


"@RonDeSantis @DonMiami3 No 30-yr fixed rates were down more than half a point in the past month leading into the cut. And nearly a full percent since May to 3-year lows so a small bounce higher was expected. If weak economic data continues to come in mortgage rates will continue to fall"  
[X Link](https://x.com/mortgagetruth/status/1968778285224997026)  2025-09-18T20:44Z [----] followers, [----] engagements


"The credit card that lets you earn points for paying the mortgage is offering a 50k sign-up bonus. But the $12k min. spend is pretty steep and the mortgage payment itself doesn't count toward that. I've been pondering the card but remain on the fence"  
[X Link](https://x.com/mortgagetruth/status/1969184750112788953)  2025-09-19T23:40Z [----] followers, [----] engagements


"@tracyalloway The bigger question is do they need to actively lower mortgage rates Theyve come down a lot already and could come down even more based on weak economic data alone. How low do we actually need them to be"  
[X Link](https://x.com/mortgagetruth/status/1969440798946312336)  2025-09-20T16:37Z [----] followers, [--] engagements


"Couple has $30k in emergency savings $100k in a HYSA $150k in stocks. Ramsey - "If I woke up in your shoes I would put $250000 down on that house and have a $30000 emergency fund by the end of the day." "The advice runs counter to conventional financial planning.""  
[X Link](https://x.com/mortgagetruth/status/1970153848582062327)  2025-09-22T15:50Z [----] followers, [----] engagements


"@ericjackson In fact they funded just over $2B last year compared to $24B+ in [----]. And the top lender UWM funded $138B last year"  
[X Link](https://x.com/mortgagetruth/status/1970156585117979072)  2025-09-22T16:01Z [----] followers, [---] engagements


"Fannie Mae now expects the 30-year fixed mortgage to be sub-6% next year. New forecast: 6.4% end of [----] 5.9% end of [----] Old forecast: 6.5% end of [----] 6.1% end of 2026"  
[X Link](https://x.com/mortgagetruth/status/1970506225742946757)  2025-09-23T15:11Z [----] followers, [----] engagements


"Interestingly they revised home sales DOWN. Expect total home sales of 4.72M in [----] (from 4.74M previously) and 5.16M in [----] (from 5.23M)"  
[X Link](https://x.com/mortgagetruth/status/1970506649212497954)  2025-09-23T15:12Z [----] followers, [---] engagements


"But they do expect slightly higher loan origination volume though not by much. $1.85T and $2.32T for 2025/2026 compared to prior forecast of $1.85T and $2.26T"  
[X Link](https://x.com/mortgagetruth/status/1970507505739706596)  2025-09-23T15:16Z [----] followers, [---] engagements


"@bucketshopcap I think this just speaks to market timing. Sentiment will always be in flux"  
[X Link](https://x.com/mortgagetruth/status/1970585432644813237)  2025-09-23T20:25Z [----] followers, [----] engagements


"@Mabiverse123 @ericjackson Ehh"  
[X Link](https://x.com/mortgagetruth/status/1970723289371943192)  2025-09-24T05:33Z [----] followers, [--] engagements


"@autisticnstocks Yes appears to be more downward pressure this year versus last for myriad reasons"  
[X Link](https://x.com/mortgagetruth/status/1970724076277915812)  2025-09-24T05:36Z [----] followers, [--] engagements


"@Mabiverse123 @ericjackson I guess I'm looking at it from them climbing off the floor. They only funded $2B last year making them a pretty tiny player in the space. We'll see if that changes but a far cry from being the disruptor of old"  
[X Link](https://x.com/mortgagetruth/status/1970849175287025851)  2025-09-24T13:53Z [----] followers, [--] engagements


"FHA just published Mortgagee Letter (ML) 2025-21 'Updates to Tightening and Expediting Implementation of the New Permanent Loss Mitigation Options.' Tons of new language much of it about requiring a valid SSN/EIN when assuming a mortgage adding a borrower or for loss mit"  
[X Link](https://x.com/mortgagetruth/status/1970952178128060455)  2025-09-24T20:43Z [----] followers, [---] engagements


"@2x4caster I recall a while back that a rate of 4.75% apparently gets the market moving (removes lock-in) at least with regard to mortgage rates. But rates don't exist in a vacuum"  
[X Link](https://x.com/mortgagetruth/status/1971008773436342607)  2025-09-25T00:28Z [----] followers, [--] engagements


"Bartiromo: "Do you think it's a certainty that as the Fed lowers rates that you're actually going to see a real impact on for example mortgage rates." Bessent: "I do believe that we are seeing uhh will see a substantial drop in inflation I think that if the housing numbers are done through imputed rent that we're gonna see they run on about a six month lag everything that President Trump is doing.AI boom.""  
[X Link](https://x.com/mortgagetruth/status/1971233335616897341)  2025-09-25T15:20Z [----] followers, [---] engagements


"Translation: Mortgage rates will come down if inflation actually comes down. No mention of labor b/c you don't want to root for job losses in order to get mortgage rates lower. Then continued rambling"  
[X Link](https://x.com/mortgagetruth/status/1971234824162803818)  2025-09-25T15:26Z [----] followers, [---] engagements


"@NewsLambert The short-term goal is protecting these levels and not reverting higher. Starts with PCE tomorrow and jobs next Friday"  
[X Link](https://x.com/mortgagetruth/status/1971315227355643936)  2025-09-25T20:45Z [----] followers, [---] engagements


"California is more mortgage rate locked-in than the rest of the United States. - In CA 28.1% of outstanding mortgages have an interest rate below 3% while just 13.7% are 6%+. - For the U.S. as a whole only 20.4% of existing mortgages have rates under 3% and 19.7% are 6%+"  
[X Link](https://x.com/mortgagetruth/status/1971332399536689193)  2025-09-25T21:54Z [----] followers, [---] engagements


"Pulte: "Since the President has into office he's lowered mortgage rates you can see you know when he started out it's already down." "And then on top of that Maria refinancings are through the roof.""  
[X Link](https://x.com/mortgagetruth/status/1971598409036714054)  2025-09-26T15:31Z [----] followers, [----] engagements


"Thoughts: https://www.thetruthaboutmortgage.com/pulte-claims-trump-has-lowered-mortgage-rates-and-refinancings-are-through-the-roof/ https://www.thetruthaboutmortgage.com/pulte-claims-trump-has-lowered-mortgage-rates-and-refinancings-are-through-the-roof/"  
[X Link](https://x.com/mortgagetruth/status/1971625270332608906)  2025-09-26T17:17Z [----] followers, [---] engagements


"@ai I can say the same thing about the housing market in 2006-2008 but it wont stop the millions of people from saying were repeating history"  
[X Link](https://x.com/mortgagetruth/status/1971750754081034500)  2025-09-27T01:36Z [----] followers, [----] engagements


"Your intermittent reminder that mortgage rates tend to fall during government shutdowns. Bond yields drop as investors seek safe-haven assets like Treasuries. Mortgage rates benefit though w/o the release of another ugly labor report Friday we could be worse off"  
[X Link](https://x.com/mortgagetruth/status/1971948442206507259)  2025-09-27T14:42Z [----] followers, [----] engagements


"Buddy sent me this. Some RE agents are apparently very excited about the Fed cutting. So much so that they'll tell anyone about it"  
[X Link](https://x.com/mortgagetruth/status/1972661351848755303)  2025-09-29T13:54Z [----] followers, [----] engagements


"Three large mortgage lenders have already rolled out higher conforming loan limits for [----] with more than three months left in [----]. They (CrossCountry Rate and UWM) all settled on $819000 for a one-unit property which is a $12500 increase from [----] or just 1.55% higher. It's a lot less than the $39950 or 5.2% increase from [----] a sign of slowing home price growth. However home prices are still rising just not as quickly. But it is a sign of the times.a little more caution out there. Below are UWM's new loan limits for 2026: - $819000 one-unit conventional and VA loans (up from $806500) -"  
[X Link](https://x.com/mortgagetruth/status/1972716504899858631)  2025-09-29T17:34Z [----] followers, [---] engagements


"@KobeissiLetter The irony being that bond yields tend to drop due to gov shutdowns but could drop even more if the BLS data is released Friday and continues to show weakness"  
[X Link](https://x.com/mortgagetruth/status/1972753844712128837)  2025-09-29T20:02Z [----] followers, [---] engagements


"@JeffSnider_EDU Might be better for bond yields if they do release the data"  
[X Link](https://x.com/mortgagetruth/status/1972807923870191840)  2025-09-29T23:37Z [----] followers, [--] engagements


"Some more thoughts here: https://www.thetruthaboutmortgage.com/2026-conforming-loan-limits-get-early-boost-but-point-to-slowing-home-price-gains/ https://www.thetruthaboutmortgage.com/2026-conforming-loan-limits-get-early-boost-but-point-to-slowing-home-price-gains/"  
[X Link](https://x.com/mortgagetruth/status/1972813507487019262)  2025-09-29T23:59Z [----] followers, [---] engagements


"@DeerwoodRealty @Shift1Props People love rates"  
[X Link](https://x.com/mortgagetruth/status/1972880961202442325)  2025-09-30T04:27Z [----] followers, [--] engagements


"@themotleyfool Good reason why this housing market is a lot different than the early 2000s"  
[X Link](https://x.com/mortgagetruth/status/1973062971082563704)  2025-09-30T16:30Z [----] followers, [--] engagements


"POV: You're inquiring about an FHA loan.🤦♂"  
[X Link](https://x.com/mortgagetruth/status/1973127246878744875)  2025-09-30T20:46Z [----] followers, [---] engagements


"@RogaineTrader I assume they did some investing but even so you face a significantly higher sales price mortgage rate tax basis etc. Not to mention slim pickings on suitable properties"  
[X Link](https://x.com/mortgagetruth/status/1973239219041743290)  2025-10-01T04:11Z [----] followers, [--] engagements


"@m3_melody Rough week for Zillow. First Compass now this"  
[X Link](https://x.com/mortgagetruth/status/1973240962374836404)  2025-10-01T04:18Z [----] followers, [---] engagements


"This is our first government shutdown since [----]. Mortgage rates tend to fall during shutdowns as bond yields drop driven by a flight to safety. On average 10-year bond yields fall about [--] bps"  
[X Link](https://x.com/mortgagetruth/status/1973386823909957664)  2025-10-01T13:57Z [----] followers, [----] engagements


"If yields do happen to fall by that amount it would put the 30-year fixed at around 5.75%. But it depends how severe the shutdown is and how long it persists. And also what else happens in the wider economy during that time"  
[X Link](https://x.com/mortgagetruth/status/1973387770874757290)  2025-10-01T14:01Z [----] followers, [---] engagements


"You can start to see a scenario where home prices and mortgage rates ease together assuming the latter continues to come down. Something many can't comprehend b/c they think rates and prices are inversely related"  
[X Link](https://x.com/mortgagetruth/status/1973390140434424010)  2025-10-01T14:10Z [----] followers, [---] engagements


"The FHA continues to operate during the government shutdown but with limited staff and longer wait times. Some services are impacted including HECM loans (reverse mortgages) Title I loans (home improvement and manufactured homes) and certain condo approvals"  
[X Link](https://x.com/mortgagetruth/status/1973405588731101689)  2025-10-01T15:12Z [----] followers, [---] engagements


"@odetakushi All about available supply mortgage rate are secondary"  
[X Link](https://x.com/mortgagetruth/status/1973494726960750834)  2025-10-01T21:06Z [----] followers, [--] engagements


"@NAR_Research The double-edged sword of lower mortgage rates is a weaker economy.not sure that exudes confidence for all"  
[X Link](https://x.com/mortgagetruth/status/1973538776510242825)  2025-10-02T00:01Z [----] followers, [--] engagements


"@field_marshall Good question"  
[X Link](https://x.com/mortgagetruth/status/1973808211531870681)  2025-10-02T17:52Z [----] followers, [---] engagements


"@Kevin_Root This is the philosophy I use on X. And why I don't get into protracted back and forths"  
[X Link](https://x.com/mortgagetruth/status/1973823659098976496)  2025-10-02T18:53Z [----] followers, [--] engagements


"United Wholesale Mortgage (UWM) the nation's largest mortgage lender just announced a 10-year $115M naming rights deal for the downtown Phoenix arena. Formerly known as Footprint Center it will now be known as Mortgage Matchup Center home of the Phoenix Suns and Mercury"  
[X Link](https://x.com/mortgagetruth/status/1973841684090982424)  2025-10-02T20:05Z [----] followers, [---] engagements


"@padigoodspeed Its prob reflected in it being a 30-day late ie its not a huge hit. Are we talking mortgage rate or any tradeline"  
[X Link](https://x.com/mortgagetruth/status/1973896490008654053)  2025-10-02T23:42Z [----] followers, [--] engagements


"The September jobs report was due to be released this AM by the Bureau of Labor Statistics (BLS). The forecast was for [-----] new jobs created. Instead we've got crickets thanks to the ongoing government shutdown. And 10-year bond yields are up a couple bps on the day. Makes you wonder where it'd be had the jobs report been released. Given how bad the jobs report was for June July and August chances are bond yields would be down today. And mortgage rates would be lower as well. Instead we're in a bit of a holding pattern. However if you zoom out a week bond yields are actually lower this week."  
[X Link](https://x.com/mortgagetruth/status/1974124589602201977)  2025-10-03T14:49Z [----] followers, [----] engagements


"@RogaineTrader Yes this is why mortgage rates and home prices can fall together. There isn't an inverse relationship as many seem to think"  
[X Link](https://x.com/mortgagetruth/status/1974184637594546644)  2025-10-03T18:47Z [----] followers, [--] engagements


"Homeowner: I have a 2.875% 30-year fixed mortgage. Ramsey Show: Who cares about that stupid interest rate man"  
[X Link](https://x.com/mortgagetruth/status/1974492942632169824)  2025-10-04T15:12Z [----] followers, [----] engagements


"If you're a prospective home buyer wondering how much room you have to negotiate consider the surplus/deficit of listed homes in your market. Per ICE inventory has been a leading indicator of home price cooling/heating and an early signal of price shifts"  
[X Link](https://x.com/mortgagetruth/status/1975229285226123587)  2025-10-06T15:58Z [----] followers, [---] engagements


"@NickTimiraos Historically no strong correlation between home prices and mortgage rates so"  
[X Link](https://x.com/mortgagetruth/status/1975241919501676907)  2025-10-06T16:49Z [----] followers, [----] engagements


"@dougboneparth But when do they all sell"  
[X Link](https://x.com/mortgagetruth/status/1975278160037159226)  2025-10-06T19:13Z [----] followers, [----] engagements


"@Johncomiskey77 @rcwhalen @pulte Little need to refi if rate is bought down tremendously. I don't know if they add risk with a lower interest rate likely resulting in a lower payment all-in versus alternative. Forward commitments are permitted by the GSEs and Ginnie b/c they aren't tied to a single property"  
[X Link](https://x.com/mortgagetruth/status/1975334678052938156)  2025-10-06T22:57Z [----] followers, [--] engagements


"In a new Truth Social post President Trump has called on the big home builders to build more homes. Its no secret housing affordability is terrible at the moment and one of the main reasons is a lack of available for-sale supply. As we know from Economics [---] the greater the supply of something the lower the price. So if the builders decided to build more homes wed arguably see prices fall thereby improving affordability. The problem is the home builders are already sitting on a supply glut and theyre for-profit companies. They indicated recently that they're thoughtfully building given the"  
[X Link](https://x.com/mortgagetruth/status/1975339775239618810)  2025-10-06T23:17Z [----] followers, 12.1K engagements


"@Econimica So Trump ordering the home builders to build on the "2 million empty lots" is a bad idea"  
[X Link](https://x.com/mortgagetruth/status/1975342334700290320)  2025-10-06T23:28Z [----] followers, [---] engagements


"@INArteCarloDoss Wouldn't shock me if the September print was around that. Bond yields could be quite a bit lower today with that report released"  
[X Link](https://x.com/mortgagetruth/status/1975598929166422415)  2025-10-07T16:27Z [----] followers, [--] engagements


"@pepemoonboy So the knowledge workers are going to abandon shelter and buy btc instead"  
[X Link](https://x.com/mortgagetruth/status/1975645416705433959)  2025-10-07T19:32Z [----] followers, [----] engagements


"@charliebilello Between record high home prices steep mortgage rates poor for-sale inventory and a whole lot of uncertainty can we blame them"  
[X Link](https://x.com/mortgagetruth/status/1975671948320645356)  2025-10-07T21:17Z [----] followers, [----] engagements


"@pepemoonboy Got it. Cant argue that"  
[X Link](https://x.com/mortgagetruth/status/1975731461719556576)  2025-10-08T01:14Z [----] followers, [---] engagements


"@dax_mccaskill @pepemoonboy Could be. Good thing it provides shelter and the outstanding mortgage rate is rock bottom for most"  
[X Link](https://x.com/mortgagetruth/status/1975731697754026289)  2025-10-08T01:15Z [----] followers, [--] engagements


"@rev_cap Incentivize a sale whether its a carrot or stick. Especially those with second and third homes"  
[X Link](https://x.com/mortgagetruth/status/1975750226716586363)  2025-10-08T02:28Z [----] followers, [---] engagements


"Let the games begin. Equifax responds to "FICO's monopoly-like doubling" of prices by offering VantageScore [---] mortgage credit scores at more than 50% off ($4.50) through end of [----]. Will also offer free VantageScores through end of [----] to all Equifax mortgage customers who purchase FICO scores to drive industry adoption"  
[X Link](https://x.com/mortgagetruth/status/1975922216542904438)  2025-10-08T13:52Z [----] followers, [---] engagements


"A new class action lawsuit accuses the nation's top mortgage lenders of price fixing. Used "Optimal Blues pricing software to share non-public data on interest rates and fees allowing them to coordinate pricing in violation of federal antitrust law." Under the alleged price-fixing scheme lenders were able to monitor the pricing of their competitors in real-time and then adjust their own mortgage rates accordingly. Applies to residential mortgages priced using Optimal Blue's tools obtained between October [----] and the present"  
[X Link](https://x.com/mortgagetruth/status/1975926015190028501)  2025-10-08T14:07Z [----] followers, [----] engagements


"@randomrecruiter Last three prints were terrible. Think labor cracked a while ago. When that actually reflects in the real world remains to be seen"  
[X Link](https://x.com/mortgagetruth/status/1976681928230396294)  2025-10-10T16:11Z [----] followers, [--] engagements


"@DonMiami3 Were doing this again"  
[X Link](https://x.com/mortgagetruth/status/1976777094052168042)  2025-10-10T22:29Z [----] followers, [---] engagements


"@maxjanderson There's no strong historical correlation between mortgage rates and home prices"  
[X Link](https://x.com/mortgagetruth/status/1976786539243094127)  2025-10-10T23:06Z [----] followers, [--] engagements


"@pulte Better plan is to unlock existing supply somehow which ironically puts pressure on the builders to lower prices as well"  
[X Link](https://x.com/mortgagetruth/status/1976791878927630707)  2025-10-10T23:28Z [----] followers, [---] engagements


"@JohnWake Incentivizing selling is a thought to boost existing supply. But you will always need investors"  
[X Link](https://x.com/mortgagetruth/status/1977016623380021448)  2025-10-11T14:21Z [----] followers, [---] engagements


"@JohnWake So would this happen intermittently if supply was low"  
[X Link](https://x.com/mortgagetruth/status/1977030901839413535)  2025-10-11T15:17Z [----] followers, [--] engagements


"@account_blown How low was the interest rate That's the rate of return locked in for voluntarily prepaying it"  
[X Link](https://x.com/mortgagetruth/status/1977424820255195356)  2025-10-12T17:23Z [----] followers, [---] engagements


"@mikesimonsen I know there's more mortgage rate lock-in in CA vs. nationally.so could be a factor"  
[X Link](https://x.com/mortgagetruth/status/1977430034035122649)  2025-10-12T17:43Z [----] followers, [---] engagements


"@max_gagliardi This is everything across the American Dream. It's not just a house. It's not just a car. It's a big fancy house it's a luxury vehicle etc. etc"  
[X Link](https://x.com/mortgagetruth/status/1977430591114293401)  2025-10-12T17:46Z [----] followers, [--] engagements


"@pulte Some nice light Sunday night reading"  
[X Link](https://x.com/mortgagetruth/status/1977521654554358178)  2025-10-12T23:47Z [----] followers, [----] engagements


"Sign of the times: A lender in Florida has launched a reverse second mortgage. Allows seniors to access home equity w/o having to pay off or refinance their low-rate first mortgage. Money can be used to supplement retirement income or cover "rising healthcare costs.""  
[X Link](https://x.com/mortgagetruth/status/1977750630736286021)  2025-10-13T14:57Z [----] followers, [----] engagements


"@isaac_saas If you MUST do it for peace of mind even if it financially isn't smart perhaps find a middle ground where you prepay some but don't completely pay it off. There's also risk in having a lot of money tied up in an illiquid asset that is subject to a price drop or damage/loss"  
[X Link](https://x.com/mortgagetruth/status/1977777492221170134)  2025-10-13T16:44Z [----] followers, [---] engagements


"@odetakushi They'd run off faster with lower mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/1978149293010702367)  2025-10-14T17:21Z [----] followers, [---] engagements


"@IMFpubs Meanwhile the GSEs are going public"  
[X Link](https://x.com/mortgagetruth/status/1978150799411749271)  2025-10-14T17:27Z [----] followers, [--] engagements


"@MacroEdgeRes No need. Sinking yields due to economy slowing will bring down mortgage rates"  
[X Link](https://x.com/mortgagetruth/status/1978151457758003292)  2025-10-14T17:30Z [----] followers, [---] engagements


"Here's a look at the largest mortgage lenders in the state of Virginia. The VA loan share is roughly 11% nationally but 25% in the state of Virginia. This is why you see names like Navy Federal and Veterans United in the top-10"  
[X Link](https://x.com/mortgagetruth/status/1978193889614770637)  2025-10-14T20:19Z [----] followers, [----] engagements


"@Dickie_Esquire So what"  
[X Link](https://x.com/mortgagetruth/status/1978229863552077982)  2025-10-14T22:42Z [----] followers, [--] engagements


"@AdvisorJohn @pulte Was the Verizon bill legitimately not paid"  
[X Link](https://x.com/mortgagetruth/status/1978507983614067070)  2025-10-15T17:07Z [----] followers, [---] engagements


"More thoughts on this here: https://www.thetruthaboutmortgage.com/powell-admits-mortgage-backed-security-purchases-may-have-gone-too-far/ https://www.thetruthaboutmortgage.com/powell-admits-mortgage-backed-security-purchases-may-have-gone-too-far/"  
[X Link](https://x.com/mortgagetruth/status/1978508466873336030)  2025-10-15T17:09Z [----] followers, [----] engagements


"@AnnieTyzak I'm more concerned that a Lexus somehow costs $900 per month"  
[X Link](https://x.com/mortgagetruth/status/1978510611668488605)  2025-10-15T17:17Z [----] followers, [---] engagements


"@seventensuited @BigChickenShaq @innoutburger @raisingcanes What doesn't Shaq do"  
[X Link](https://x.com/mortgagetruth/status/1978524787828744402)  2025-10-15T18:14Z [----] followers, [--] engagements


"@HedgeDirty Temporarily higher due to the dislocation in the housing market thanks to a combo of markedly higher mortgage rates and still-high home prices. History tells us it'll come back down to mid-30s again. Wouldn't judge yourself on current market conditions. Give it a minute"  
[X Link](https://x.com/mortgagetruth/status/1978568543877611930)  2025-10-15T21:07Z [----] followers, [--] engagements


"@NikMilanovic @MrBeast @twifintech Feel like Beast Financial sounds way better"  
[X Link](https://x.com/mortgagetruth/status/1978670175583863181)  2025-10-16T03:51Z [----] followers, [----] engagements


"@commbankerguy Consensus rarely gets it right. Rates seem to have come down in measured fashion w/ Fed cuts. Don't see any major conflict between bonds and Fed. Continue to look at economic reports for direction"  
[X Link](https://x.com/mortgagetruth/status/1978845686054453468)  2025-10-16T15:29Z [----] followers, [---] engagements


"Mortgage rates havent been sub-6% since February 2nd [----] per Mortgage News Daily. And if we use Freddie Mac's weekly rate survey not since September 8th 2022"  
[X Link](https://x.com/mortgagetruth/status/1978895724629676334)  2025-10-16T18:48Z [----] followers, [----] engagements


"@insanelybull Yes but this aint it. Home sales are slow by design. Feature not a bug"  
[X Link](https://x.com/mortgagetruth/status/1979017112950554670)  2025-10-17T02:50Z [----] followers, [--] engagements


"@CarolWalshReal1 Long while back I read 4.875-ish. So not far off. But yes depends on what else is happening"  
[X Link](https://x.com/mortgagetruth/status/1979017812359238097)  2025-10-17T02:53Z [----] followers, [--] engagements


"@Kalshi Housing market has only gotten cheaper this year. Not sure what stat you're referencing. Rates and prices lower since peak unaffordability"  
[X Link](https://x.com/mortgagetruth/status/1979185365501252062)  2025-10-17T13:58Z [----] followers, [---] engagements


"Freddie Mac: Mortgage rates hit 4-year highs; 30-year fixed to 4.58% from 4.47% 15-yr fixed to 4.02% from 3.94% 5/1 ARM to 3.74% from 3.67%. #mortgagerates #realestate #money https://bit.ly/2J0aZFj https://bit.ly/2J0aZFj"  
[X Link](https://x.com/mortgagetruth/status/989515830487482369)  2018-04-26T14:45Z [----] followers, [--] engagements

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