# ![@vishal_better Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::440529647.png) @vishal_better Vishal Garg

Vishal Garg posts on X about $betr, ai, in the, finance the most. They currently have [-----] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::440529647/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::440529647/c:line/m:interactions.svg)

- [--] Week [------] +516%
- [--] Month [------] -74%
- [--] Months [---------] +38,539,046%
- [--] Year [---------] +275,180%

### Mentions: [--] [#](/creator/twitter::440529647/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::440529647/c:line/m:posts_active.svg)

- [--] Week [--] +100%
- [--] Month [--] -38%
- [--] Months [---] +17,500%
- [--] Year [---] +5,800%

### Followers: [-----] [#](/creator/twitter::440529647/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::440529647/c:line/m:followers.svg)

- [--] Week [-----] +2.90%
- [--] Month [-----] +6.40%
- [--] Months [-----] +2,943%

### CreatorRank: [---------] [#](/creator/twitter::440529647/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::440529647/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  28% [technology brands](/list/technology-brands)  5% [countries](/list/countries)  5% [stocks](/list/stocks)  1% [celebrities](/list/celebrities)  1% [social networks](/list/social-networks)  1%

**Social topic influence**
[$betr](/topic/$betr) #8, [ai](/topic/ai) 26%, [in the](/topic/in-the) 10%, [finance](/topic/finance) 8%, [rates](/topic/rates) 7%, [money](/topic/money) 6%, [ceo](/topic/ceo) 5%, [entire](/topic/entire) 5%, [wall street](/topic/wall-street) 5%, [business](/topic/business) 4%

**Top accounts mentioned or mentioned by**
[@ft](/creator/undefined) [@ericjackson](/creator/undefined) [@tinmanai](/creator/undefined) [@katieeperry](/creator/undefined) [@bettercom](/creator/undefined) [@movewithroam](/creator/undefined) [@danielsethlewis](/creator/undefined) [@ramahluwalia](/creator/undefined) [@cosmosbeing](/creator/undefined) [@fallacyalarm](/creator/undefined) [@stocktwits](/creator/undefined) [@vishalgarg10](/creator/undefined) [@fanniemae](/creator/undefined) [@freddiemac](/creator/undefined) [@apompliano](/creator/undefined) [@inthemoneypod](/creator/undefined) [@mabiverse123](/creator/undefined) [@johnnyb77570623](/creator/undefined) [@notoriousq](/creator/undefined) [@mattmatt19997](/creator/undefined)

**Top assets mentioned**
[Better Home & Finance Holding Company Class A Common Stock (BETR)](/topic/$betr) [PennyMac Financial Services, Inc. Common Stock (PFSI)](/topic/$pfsi) [Rocket Companies, Inc. (RKT)](/topic/$rkt) [Opendoor Technologies Inc Common Stock (OPEN)](/topic/$open)
### Top Social Posts
Top posts by engagements in the last [--] hours

"The GOAT @APompliano had me on to talk about housing finance the mortgage market and how we can make homeownership and the American Dream great again. Thank you for letting me share what we have done to bring interest rates and fees down for American families on mortgage and home equity loans at $betr http://better.com I sat down with Better CEO @vishal_better to discuss how they are using technology to get your mortgage rate lower. Enjoy https://t.co/iXMsjBKr7F http://better.com I sat down with Better CEO @vishal_better to discuss how they are using technology to get your mortgage rate"  
[X Link](https://x.com/vishal_better/status/2021463043201179734)  2026-02-11T05:55Z [----] followers, 18K engagements


"This post from Oct [--] last year aged well. Look at $pfsi $rkt and the other big MSR owners stock today. Should have gone long AI rather than long MSR. By the way the MSR markdown delever markdown more trade just started. Lets see how bad this gets. $BETR is proud to own ZERO MSR. Looked stupid for past [--] years for doing so. Lets see what people think [--] months from now. Heres all the major public mortgage companies and their MSR portfolio value as a % of shareholder equity. Betters is zero by the way. Zero [--] years running. In order to benefit from the refi rally to come you have to remain"  
[X Link](https://x.com/vishal_better/status/2017289803822137367)  2026-01-30T17:32Z [----] followers, [----] engagements


"Thank you. @MariaBartiromo for having me on your show this am to talk about how $BETR is growing originations over 200% using AI to deliver lower rates and a near instant mortgage process to all American families Here's the video link. https://www.foxbusiness.com/video/6380543501112 https://www.foxbusiness.com/video/6380543501112"  
[X Link](https://x.com/vishal_better/status/1973391307302195224)  2025-10-01T14:15Z [----] followers, 30.7K engagements


"2. Make AI title insurance the norm not the exception. Save every consumer $1200 on a refi or $2000 or more on a home purchase"  
[X Link](https://x.com/vishal_better/status/1990143459660058866)  2025-11-16T19:42Z [----] followers, [----] engagements


"US inflation falls more than expected to 2.4% in January via @FT Hmmmm. Guess the Biden loving pundits were wrong. You can have economic growth and lower inflation once you stop all the fraudulent government spending to pet causes. Time to cut rates https://giftarticle.ft.com/giftarticle/actions/redeem/ef86a4c6-9ade-4aee-a42e-43c3fad047d1 https://giftarticle.ft.com/giftarticle/actions/redeem/ef86a4c6-9ade-4aee-a42e-43c3fad047d1"  
[X Link](https://x.com/vishal_better/status/2022372929686651287)  2026-02-13T18:10Z [----] followers, [----] engagements


"Now this this is a good reason for tokenization. Stop scrolling this guy wants to explain how we can break down barriers for [--] billion adults. https://t.co/5a9BJh5U4h Stop scrolling this guy wants to explain how we can break down barriers for [--] billion adults. https://t.co/5a9BJh5U4h"  
[X Link](https://x.com/vishal_better/status/2013820314900144338)  2026-01-21T03:45Z [----] followers, [----] engagements


"This is a good reason for tokenization someone want to guess what is the next best asset to tokenize post tokenizing US Treasuries. $BETR Stop scrolling this guy wants to explain how we can break down barriers for [--] billion adults. https://t.co/5a9BJh5U4h Stop scrolling this guy wants to explain how we can break down barriers for [--] billion adults. https://t.co/5a9BJh5U4h"  
[X Link](https://x.com/vishal_better/status/2013820559159603533)  2026-01-21T03:46Z [----] followers, [----] engagements


"Exactly. $betr @tinmanAI Palantir CEO Alex Karp on the commercial lessons of AI on the battlefield: Whats valuable is doing something no other enterprise in the world can do pairing your tribal knowledge with efficiencies no one else has." https://t.co/rNQ2iZLgtb Palantir CEO Alex Karp on the commercial lessons of AI on the battlefield: Whats valuable is doing something no other enterprise in the world can do pairing your tribal knowledge with efficiencies no one else has." https://t.co/rNQ2iZLgtb"  
[X Link](https://x.com/vishal_better/status/2013822782581113164)  2026-01-21T03:55Z [----] followers, [----] engagements


"I think they will go down. But I am not betting on it. We said we will still grow 2x if rates stay the same. We stand by that prediction. If rates stay above 6% our heloc business will continue to scale. If they go below the refi biz kicks in for the 21% of American families who have an above 6% rate. https://twitter.com/i/web/status/2013826425086791767 https://twitter.com/i/web/status/2013826425086791767"  
[X Link](https://x.com/vishal_better/status/2013826425086791767)  2026-01-21T04:10Z [----] followers, [---] engagements


"Its already happening with NEO did you see the growth in NEO volume on the Tinman AI platform. It went from 200MM of quarterly volume in Q1 to 200MM in monthly volume by Q4 as I shared in my public appearance at the Needham conference. Thats 3x growth. And we have [--] massive mortgage companies moving in Q4 [--] and Q1 [--] which will drive further growth. $BETR https://twitter.com/i/web/status/2014768132435427427 https://twitter.com/i/web/status/2014768132435427427"  
[X Link](https://x.com/vishal_better/status/2014768132435427427)  2026-01-23T18:32Z [----] followers, [---] engagements


"Theres only one company in the entire mortgage industry that can do this and is working on this and that is . The reason is simple - you need to be full stack. You need licenses in every state and you need an integrated platform not some broken POS on top of Encompass with a separate pricing engine separate compliance engine and separate eligibility / underwriting engine and communication/CRM layer. Better has Tinman which can within milliseconds provide all details about a customer loan file into an LLM and have it take the next best action. We already launched the mortgage industries first"  
[X Link](https://x.com/vishal_better/status/1889525617676226837)  2025-02-12T04:03Z [----] followers, [---] engagements


"Thanks @danielsethlewis @inthemoneypod for sharing your thought process around your investment in $BETR 1/8: Better Home & Finance Update ($BETR) In June I joined Amber Kanwars@inthemoneypod podcast to share insights from my nearly [--] years in distressed and special situations investing. During that discussion I highlighted Better Home & Finance ($BETR) as a stock with https://t.co/qCZcenndZd 1/8: Better Home & Finance Update ($BETR) In June I joined Amber Kanwars@inthemoneypod podcast to share insights from my nearly [--] years in distressed and special situations investing. During that"  
[X Link](https://x.com/vishal_better/status/1972699508715704491)  2025-09-29T16:26Z [----] followers, [----] engagements


"Socialism is oppression of the talented by the mediocre. Immigrants from all around the world come to America for its exceptionalism for a place where anyone can make it where a public education can take you to the top. Lets not kill what makes America exceptional. Mamdani Says He Would Phase Out N.Y.C. Gifted Program: https://t.co/Tvwn6aaBfG Mamdani Says He Would Phase Out N.Y.C. Gifted Program: https://t.co/Tvwn6aaBfG"  
[X Link](https://x.com/vishal_better/status/1974060703418823046)  2025-10-03T10:35Z [----] followers, [----] engagements


"And so how many people do you need in Detroit when a decent chunk of 5.7mm consumers decide to refinance. Will [-----] be enough What happens when the OpenAI agent is the first person a consumers asks where to get a mortgage from or ask for a refinance rate from"  
[X Link](https://x.com/vishal_better/status/1976439139118743725)  2025-10-10T00:06Z [----] followers, [----] engagements


"The only way to beat this situation is to rely on a voice AI loan officer who can fully perform all the functions of a human loan officer from click to lock. And there is only one company in the entire mortgage industry that has such an agent - its called Betsy and it can do all this because its built on one system Tinman"  
[X Link](https://x.com/vishal_better/status/1976439809838141507)  2025-10-10T00:09Z [----] followers, [---] engagements


"Completely asymmetrical trade : research the MSR owners on this list who are levered and public. Find out which ones are on Encompass or Empower. Look at if they have an AI voice agent that works (dont take their word for it call their call center and ask their humans if the AI they advertise on their investor calls works) and then you have the list of people who will not survive the next time rates drop a bunch. Their asset write down on their levered MSR will far surpass any gain in origination gain on sale"  
[X Link](https://x.com/vishal_better/status/1976442026288685412)  2025-10-10T00:17Z [----] followers, [---] engagements


"Good question - the AI is not adept at the following parts of the process (yet) a non-exhaustive list: - complex customer queries and chasing up for documents particularly for self employed customers - talking to third party service providers such as title companies homeowner associations insurance agents etc - realtors mostly require a human to call them with status updates. they dont like an AI leaving a voice message. They are ok with text and email by AI not voice. - not all documents are AI readable yet - licensing requirements require human review in certain states and for certain"  
[X Link](https://x.com/vishal_better/status/2016003446164316530)  2026-01-27T04:20Z [----] followers, [---] engagements


"Did you all see the results of NEO moving off Encompass to Tinman. Its mind blowing after just [--] months. 91% increase in loan officer productivity in terms of loans funded per loan officer. Loans funded per underwriter went up by 50%. Thanks to the @FT for covering $betr @tinmanAI @HousingWire @Inman https://markets.ft.com/data/announce/detaildockey=600-202601220900BIZWIRE_USPRX____20260122_BW545224-1 https://markets.ft.com/data/announce/detaildockey=600-202601220900BIZWIRE_USPRX____20260122_BW545224-1"  
[X Link](https://x.com/vishal_better/status/2014763112310743193)  2026-01-23T18:12Z [----] followers, [----] engagements


"NEO only had US employees working on their files till about a month ago. Our India teammates are now helping NEO. Watch how NEO's metrics improve even further in the coming year ahead. Also in general our India task based employees cost 10% of the cost of US subject matter expert processors and underwriters. One of the massive advantages Tinman AI brings is the taskification of expert tasks into component pieces which can be done by non-experts and then eventually by AI. Loans / production employee only works as an efficiency metric if you are using the same types and cost of employee to make"  
[X Link](https://x.com/vishal_better/status/2015928510175457293)  2026-01-26T23:23Z [----] followers, [----] engagements


"In todays FT a quote from Rick Reider the current favorite to be Fed chair. 100bps down from here is what he is saying"  
[X Link](https://x.com/vishal_better/status/2016493830673924164)  2026-01-28T12:49Z [----] followers, [----] engagements


"$BETR And so how many people do you need in Detroit when a decent chunk of 5.7mm consumers decide to refinance. Will [-----] be enough What happens when the OpenAI agent is the first person a consumers asks where to get a mortgage from or ask for a refinance rate from And so how many people do you need in Detroit when a decent chunk of 5.7mm consumers decide to refinance. Will [-----] be enough What happens when the OpenAI agent is the first person a consumers asks where to get a mortgage from or ask for a refinance rate from"  
[X Link](https://x.com/vishal_better/status/2017291079792353577)  2026-01-30T17:37Z [----] followers, [----] engagements


"Just started using @abillionVeg vegetarian food near me feature - total game changer for any vegetarian"  
[X Link](https://x.com/vishal_better/status/1034986949902258179)  2018-08-30T02:11Z [----] followers, [--] engagements


"@elonmusk @CNN its called champerty. especially for lawyers who are working on contingency and therefore paying expenses upfront eg financing for a stake in the outcome you can sue them for champerty. rarely done in the US because the lawyers collude and prevent this from happening. dm me"  
[X Link](https://x.com/vishal_better/status/1535355110544613377)  2022-06-10T20:15Z [----] followers, [--] engagements


"@ericjackson Thanks @ericjackson I grew up a pudgy little brown kid in queens never too good at dribbling :-). Not sure what I would do with the suns I would use that cash to buy down rates for my customers and up the ante on the Better Rate Guarantee instead"  
[X Link](https://x.com/vishal_better/status/1971189155960177078)  2025-09-25T12:24Z [----] followers, 22.6K engagements


"You have to pay to be on them on a cost per click basis and most of them are populated by fly by night bait and switch operators that are not policed by the platforms. Average rate difference between what you click on vs rate you actually get is 20bps to 40bps. Thats $800 to $1600 per year more in payments that consumers on these platforms pay. We go direct to the consumer with the Better Price Gaurantee and by empowering local retail loan officers through our NEO platform. What you see is what you get"  
[X Link](https://x.com/vishal_better/status/1971425910029951441)  2025-09-26T04:05Z [----] followers, [----] engagements


"Thanks @danielsethlewis @inthemoneypod for your early insight into the vision and mission and support for $BETR. Were just getting started into deploying Tinman AI for the entire industry and helping make home finance cheaper faster and easier not just through but also through all our partners. http://better.com http://better.com"  
[X Link](https://x.com/vishal_better/status/1972695404115313024)  2025-09-29T16:10Z [----] followers, [----] engagements


"Thanks Any issues or questions come up pls dm me directly @randrewcworth Im literally on the phone in [--] minutes with $BETR and have a HELOC after being denied by [--] credit unions and it was the easiest thing I've ever done. Since I invested in the company I wanted to use it. @ericjackson nice call Im literally on the phone in [--] minutes with $BETR and have a HELOC after being denied by [--] credit unions and it was the easiest thing I've ever done. Since I invested in the company I wanted to use it. @ericjackson nice call"  
[X Link](https://x.com/vishal_better/status/1972781864856502517)  2025-09-29T21:53Z [----] followers, [----] engagements


"Our new AI native HELOC product unlocks home equity for the [--] MM+ small business owners and gig economy in the US. Same instant process. Same money in your wallet in [--] days. Using AI to unlock credit for neglected consumers is what makes us $BETR https://finance.yahoo.com/personal-finance/mortgages/article/better-mortgage-launches-bank-statement-heloc-120041112.html https://finance.yahoo.com/personal-finance/mortgages/article/better-mortgage-launches-bank-statement-heloc-120041112.html"  
[X Link](https://x.com/vishal_better/status/1973004444636701055)  2025-09-30T12:38Z [----] followers, [----] engagements


"@ramahluwalia the reason why that matters is Betsy is the genAI layer and genAI is good at many things but its actually not good at multiple recursive math functions. That is what machine learning and supervised learning networks like Tinman are perfect at. The combination means Betsy always gets the numbers right. Always. Which everyone else in consumer finance using LLMs on top of point solutions cant do. That is why you have yet to see a single mortgage company use an AI to quote rates calculations savings or anything of the sort to a consumer. Not what rocket has built or what UWM had"  
[X Link](https://x.com/vishal_better/status/1973187715303952525)  2025-10-01T00:46Z [----] followers, [----] engagements


"So happy that the entire admissions and financial aid complex for colleges which has been fueling out of control tuition is finally being questioned for their anti-competitive behavior and gouging American families. I never thought I would say this but GO @FederalTradeCom I got out of the student loan business in [----] because 99% of American colleges provide a negative ROI. Its just unconscionable to load up kids with debt to have them "invest" in something that actually lowers their future earnings power by endearing them to the mind numbing stupidity of socialism and cancel culture."  
[X Link](https://x.com/vishal_better/status/1973718351642857786)  2025-10-02T11:54Z [----] followers, [----] engagements


"So well put Rich prep school kids always hate it when smarter kids with less money get a fair playing field. Rich prep school kids always hate it when smarter kids with less money get a fair playing field"  
[X Link](https://x.com/vishal_better/status/1974062587030745309)  2025-10-03T10:42Z [----] followers, [---] engagements


"I would say this is a really good interview where we went through competitive moats that $BETR has built. Thanks @katieeperry for having me on the show. The questions were amazing double clicks into the moat that $BETR has built for Tinman and Betsy. Really thoughtful and in depth. Look forward to sharing more in the future as we continue to make all home finance $BETR Thanks @katieeperry for having me on the show. The questions were amazing double clicks into the moat that $BETR has built for Tinman and Betsy. Really thoughtful and in depth. Look forward to sharing more in the future as we"  
[X Link](https://x.com/vishal_better/status/1974617957293768788)  2025-10-04T23:29Z [----] followers, [----] engagements


"Exactly prior to his attempt at being mayor Mamdani was just another rich kid who got into Bronx science but probably graduated bottom quartile of his class. Thats why hes mad and wants these programs deleted. Ask anyone who went to Bronx Science what they would call a kid who paid full freight to go to a liberal arts major from Bowdoin. Most parents from Queens or Brooklyn where 90% of kids who go to specialized high schools come from would be horrified if their kids lit their money and time on fire with that choice of education. To have any chance of winning Andrew Cuomo needs to take this"  
[X Link](https://x.com/vishal_better/status/1974865600573812805)  2025-10-05T15:53Z [----] followers, [----] engagements


"He was probably a loser at Bronx science bottom quartile or worse - ask any high achieving poor Asian kid from stuy or Bronx science how they would feel if they graduated and got into bowdoin paying full price ($93k/year) for a humanities degree so they can spend the next [--] years post graduation with zero chances at gainful employment in the private sector and see what they say about that person. @ManhattanMingle Mamdanis hypocrisy is Olympic-level. He attended Bronx Sciencea specialized high schoolbut now wants to torch gifted programs for kindergarteners. Why Because his DSA base cant"  
[X Link](https://x.com/vishal_better/status/1974867630835028395)  2025-10-05T16:01Z [----] followers, [----] engagements


"When you own an MSR and you refinance a customer you can never offer the best rate on the market because you are destroying your old asset worth $1.25 and replacing with a new one worth $3. In the meantime someone with no MSR can offer the customer a price of just $2.75 and beat you and make more money"  
[X Link](https://x.com/vishal_better/status/1976439500176818674)  2025-10-10T00:07Z [----] followers, [---] engagements


"Looking forward to getting deep into what makes Tinman Betsy and the entire Better tech stack special. @SidotiResearch $betr Please join us tomorrow October 14th at 12pm ET for a fireside chat with $BETR CEO Vishal Garg hosted by Sidoti analyst Brendan McCarthy https://t.co/l1JFPuzTi6 Please join us tomorrow October 14th at 12pm ET for a fireside chat with $BETR CEO Vishal Garg hosted by Sidoti analyst Brendan McCarthy https://t.co/l1JFPuzTi6"  
[X Link](https://x.com/vishal_better/status/1977842772276396294)  2025-10-13T21:03Z [----] followers, 21.6K engagements


"Hugely respect your perspective which is why I am tweeting back in response. You are right @rabois . $BETR does have serious competitors - 90% of which use tech platforms (eg encompass) built in the 1990s which doesnt allow more than one user at a time in the customer file (you have to literally check out the file like a library book). Which fundamentally limits the usage of AI agents. That is why it costs an average mortgage company over $12k to make a mortgage while better is able to do it for less than 50% of that leveraging its AI with those costs declining rapidly every quarter since we"  
[X Link](https://x.com/vishal_better/status/1972016197760856262)  2025-09-27T19:11Z [----] followers, 44.4K engagements


"@fulhack Paying a realtor 6% to sell your house vs. some % over AVM value"  
[X Link](https://x.com/vishal_better/status/1307389027767779328)  2020-09-19T18:40Z [----] followers, [--] engagements


"my favorite news source other than the @TheOnion We're back. Let that sink in. We're back. Let that sink in"  
[X Link](https://x.com/anyuser/status/1593936084496433156)  2022-11-19T11:55Z [----] followers, [--] engagements


"@NWischoff @BennettSiegel @mwwhite Doing it"  
[X Link](https://x.com/vishal_better/status/1889518115223896175)  2025-02-12T03:33Z [----] followers, [---] engagements


"@cosmos_being Hey @cosmos_being I am on twitter. Would love to hear your thoughts on what we could be doing better"  
[X Link](https://x.com/anyuser/status/1968785887786844349)  2025-09-18T21:15Z [----] followers, [---] engagements


"Im back on. Thank you everyone who has reached out with ways we can make $BETR better. Please keep the suggestions coming. And thank you for the kind words @ericjackson @ramahluwalia @fallacyalarm and others about the platform we have relentlessly spent [--] years building to make mortgages cheaper faster and better for all American families"  
[X Link](https://x.com/vishal_better/status/1970828252764614820)  2025-09-24T12:30Z [----] followers, 90.3K engagements


"yes our founding CTO @bernhardsson and his engineering team built the matching engine that powers Tinman to this day and delivers consumers access to [--] institutional investors best pricing and underwriting criteria instantly. Its really the only true marketplace platform at a loan by loan level in fintech"  
[X Link](https://x.com/vishal_better/status/1970875616569307502)  2025-09-24T15:38Z [----] followers, [---] engagements


"@Mabiverse123 @ericjackson @ramahluwalia @fallacyalarm @betsy That's a great idea. On it"  
[X Link](https://x.com/vishal_better/status/1970875740083392745)  2025-09-24T15:39Z [----] followers, [---] engagements


"@johnnyB77570623 @cosmos_being @ericjackson I am sorry that you had that experience. All of our sales and customer support staff are US based or via Betsy our AI loan assistant. Can you email me directly at vg@better.com and I will personally make sure you get connected with one of our best loan officers. Thanks"  
[X Link](https://x.com/vishal_better/status/1970877689218429336)  2025-09-24T15:47Z [----] followers, [---] engagements


"@katieeperry @ericjackson @ramahluwalia @fallacyalarm @Stocktwits @katieeperry sorry for the late reply. lets do it Pls shoot me an email at vg@better.com and we will get it setup. Looking forward to it"  
[X Link](https://x.com/vishal_better/status/1971061827166765441)  2025-09-25T03:58Z [----] followers, [---] engagements


"Just spent a few minutes talking about Betters AI driven growth prospects conversion rate improvements and cost savings. $BETR https://finance.yahoo.com/video/better-com-ceo-talks-growth-141840864.htmlcontentType=VIDEO https://finance.yahoo.com/video/better-com-ceo-talks-growth-141840864.htmlcontentType=VIDEO"  
[X Link](https://x.com/vishal_better/status/1971582914379890944)  2025-09-26T14:29Z [----] followers, 13.7K engagements


"@allie_canal @ericjackson Thanks @allie_canal - I appreciated your direct and targeted questions"  
[X Link](https://x.com/vishal_better/status/1972011440648462491)  2025-09-27T18:52Z [----] followers, [---] engagements


"Fun I got introduced to Wall Street and personal finance through the Boy Scouts which had a program with Salomon Brothers where high school kids went once a week to the Salomon offices to learn about finance and its role in American prosperity. I always wanted to bring that to schools across America"  
[X Link](https://x.com/vishal_better/status/1972366188014383185)  2025-09-28T18:21Z [----] followers, [---] engagements


"Amazing progress from both the @stripe and @OpenAI teams leading the way forward in the future of e-commerce. At $BETR we have leveraged our partnership with @OpenAI to build Betsy on top of Tinman and in doing so have also built the mortgage industries first MCP server allowing any AI agent across platforms to interface with Tinman to fulfill a mortgage. Agentic e-commerce is step [--] next comes Agentic lending. Who will be there first on that front Who has the tech stack end to end on one system to make that happen - we are pushing our teams at $BETR make it happen for our customers and"  
[X Link](https://x.com/vishal_better/status/1972994904423792814)  2025-09-30T12:00Z [----] followers, 12.5K engagements


"@ericjackson On it @danielsethlewis @ericjackson $BETR"  
[X Link](https://x.com/vishal_better/status/1973185829892923588)  2025-10-01T00:38Z [----] followers, [----] engagements


"@TXStockExchange How do we cross list on your exchange . I run BETR"  
[X Link](https://x.com/vishal_better/status/1973546712188031359)  2025-10-02T00:32Z [----] followers, [---] engagements


"@katieeperry @Stocktwits Looking forward to it $BETR"  
[X Link](https://x.com/vishal_better/status/1973549419468656745)  2025-10-02T00:43Z [----] followers, [---] engagements


"Awesome news from FICO challenging the current distribution model and bringing competition and costs savings for a product that basically has zero marginal cost I think this will lower data cost per loan cost by $150 per loan for $BETR https://www.fico.com/en/newsroom/fico-launches-cost-cutting-direct-license-program-mortgage-lending https://www.fico.com/en/newsroom/fico-launches-cost-cutting-direct-license-program-mortgage-lending"  
[X Link](https://x.com/vishal_better/status/1973782059861811501)  2025-10-02T16:08Z [----] followers, [----] engagements


"@notoriousq @katieeperry @movewithroam $BETR"  
[X Link](https://x.com/vishal_better/status/1973932569868841122)  2025-10-03T02:06Z [----] followers, [---] engagements


"$BETR $OPEN @movewithroam Here is a table of assumable mortgages by vintage and what % are assumable. The total number of assumable mortgages with rates where someone buying a house will care about it (2% below current rates or 4% or below) is [---] MM mortgages or about 14% of the current outstanding mortgages. @notoriousq @katieeperry @movewithroam @movewithroam is a great startup. We know them well and have spoken with Raunak and team many times and hope to work with them. They help the 15% of consumers with mortgages that are assumable. The rest of consumers have to get a traditional"  
[X Link](https://x.com/vishal_better/status/1973934947040928006)  2025-10-03T02:15Z [----] followers, 15.8K engagements


"And here is a table with the counts by vintage and rate. Furthermore if its a VA assumable mortgage then the buyer has to also be VA eligible in order for them to be able to assume the mortgage. This isnt all so easy as lets make all mortgages assumable. Based on the table below - about [---] mm are below 5% - so 15% of total mortgage population. For everyone else you need a cheaper faster easier and just plain Better mortgage if you want to have a three click Shopify style flow and enable buy it now homebuying. Not being promotional here ; just factual. Weighted Assumable Mortgage Pool by"  
[X Link](https://x.com/vishal_better/status/1973944872001286196)  2025-10-03T02:55Z [----] followers, [---] engagements


"@raunaqsingh @movewithroam Sorry @raunaqsingh for misspelling your name Look forward to working together with you to maximize the savings across all American homebuyers"  
[X Link](https://x.com/vishal_better/status/1973945323010863498)  2025-10-03T02:56Z [----] followers, [---] engagements


"Super cool. Watch what happens when we have @mercor_ai help us run this on AI in mortgage. Can you think of any other industry where [--] people work together and spend $12500 on average 6-15 mm times per year to assemble an [---] page document entirely filled with data collected from other documents. $BETR AI has its PhD and now its on the job market. Introducing the AI Productivity Index (APEX) a benchmark that measures how well weve automated the most valuable industries in the world. Most benchmarks study abstract capabilities. APEX evaluates model performance on real https://t.co/zZlaJqQ1vC"  
[X Link](https://x.com/vishal_better/status/1974064389213798823)  2025-10-03T10:50Z [----] followers, [----] engagements


"This says it all: Zohran Mamdani earned his Bachelor of Arts in Africana Studies from Bowdoin College in Maine. If you attend Bowdoin College for the 2025-2026 academic year the sticker cost (tuition + fees + room + board) is about $91300 in direct costs. If you include estimated costs for books supplies and miscellaneous expenses the total cost of attendance rises to about $93800 or more. Rich prep school kids always hate it when smarter kids with less money get a fair playing field. Rich prep school kids always hate it when smarter kids with less money get a fair playing field"  
[X Link](https://x.com/vishal_better/status/1974083174826168467)  2025-10-03T12:04Z [----] followers, [----] engagements


"$BETR PGs [--] principles for making new things: https://t.co/srDb0LCmEI PGs [--] principles for making new things: https://t.co/srDb0LCmEI"  
[X Link](https://x.com/vishal_better/status/1974615962789065069)  2025-10-04T23:21Z [----] followers, [----] engagements


"I would watch the one with @katieeperry and @Stocktwits we did recently that double clicks into some deep moat points. Will find link and share shortly @vishalgarg1_0 @movewithroam Hi. Im interested in learning more about $BETR. I hold a small position on it and looking to increase it as i learn more about the business. Whats the best podcast you have where you explain the vision and the moat Apart of the investor and earnings decks is there anything @vishalgarg1_0 @movewithroam Hi. Im interested in learning more about $BETR. I hold a small position on it and looking to increase it as i learn"  
[X Link](https://x.com/vishal_better/status/1974617477918421068)  2025-10-04T23:27Z [----] followers, [----] engagements


"UBS fund holds 30% exposure linked to First Brands via @FT The last time I saw concentrated exposure like this hidden through multiple tranches of the same credit was in the Bear Stearns high grade credit funds that blew up in [----]. History repeats. https://on.ft.com/46Upy9g https://on.ft.com/46Upy9g"  
[X Link](https://x.com/vishal_better/status/1975704427328635057)  2025-10-07T23:26Z [----] followers, [----] engagements


"People have asked me over the years to hold loans on balance sheet hold MSRs do securitizations and hold the residual. And we have unwaveringly declined for [--] years straight. When the recession hitting the bulk of America starts to hit consumers borrowing from the array of on balance sheet fintechs and they have to take write downs as prepays spike and default rates spike we will be able to continue growing market share platform share and seizing the day. And that day may be coming sooner than we all think"  
[X Link](https://x.com/vishal_better/status/1975706898474176514)  2025-10-07T23:36Z [----] followers, [----] engagements


"These are the top [--] owners of Mortgage Servicing Rights. Aka assets whose price is inversely linked to prepayment rates and interest rates. Yes they can theoretically refinance their own customers. But they are limited by the size of their call centers"  
[X Link](https://x.com/vishal_better/status/1976438623026176407)  2025-10-10T00:04Z [----] followers, [----] engagements


"If youre long MSR you are long consumer friction in the age of AI. And oh by the way these guys are all long MSRs 2:1 or 3:1 - Wall Street loaded them up with leverage past [--] years. When defaults come they have two issues : they have to advance payments on all delinquencies and their best customers refinance away. The models in their quarterly financials dont capture the full extent of what happens in real life. Look at what happened in March [----] - they were all asking for a bailout"  
[X Link](https://x.com/vishal_better/status/1976440617036140850)  2025-10-10T00:12Z [----] followers, [----] engagements


"Oh by the way most MSR financing facilities are daily mark to market. The market is model driven based on latest prepay rates. Prepay rates gap up every rate cut (look at what just happened last rate cut and that was only 25bps). By the way this is an ad for Tinman and Betsy. Not investment advice. Do your own research"  
[X Link](https://x.com/vishal_better/status/1976443215885586537)  2025-10-10T00:22Z [----] followers, [----] engagements


"And if youre the CEO of one of these companies please dont get mad at me. My team has pitched your team. And some of your competitors are now adopting Tinman. But your sales and ops head probably told you something else. Because almost every single middle manager in almost every single mortgage company is anti-AI. But theres still time pls email me at vg@better.com and we will get you rigged up - before your next earnings call"  
[X Link](https://x.com/vishal_better/status/1976448148215300369)  2025-10-10T00:42Z [----] followers, [----] engagements


"@SI98158754 @ericjackson Will be over video. No more talking to a polycom like its 1998"  
[X Link](https://x.com/vishal_better/status/1976465650672681294)  2025-10-10T01:51Z [----] followers, [--] engagements


"Heres all the major public mortgage companies and their MSR portfolio value as a % of shareholder equity. Betters is zero by the way. Zero [--] years running. In order to benefit from the refi rally to come you have to remain solvent. $BETR"  
[X Link](https://x.com/vishal_better/status/1976475873638592997)  2025-10-10T02:32Z [----] followers, [----] engagements


"Next table. $BETR"  
[X Link](https://x.com/anyuser/status/1976475998909813033)  2025-10-10T02:32Z [----] followers, [----] engagements


"Bank deregulation set to unlock $2.6tn of Wall Street lending capacity via @FT Lot more banks will be jumping back into mortgage origination and whole loan buying. Looking forward to helping them serve their customers with a true native AI platform $BETR https://on.ft.com/475wZKK https://on.ft.com/475wZKK"  
[X Link](https://x.com/vishal_better/status/1977495288198914088)  2025-10-12T22:03Z [----] followers, [----] engagements


"Finance of America Partners with to Leverage Tinman AI Platform Expanding Home Equity Product Suite for Homeowners Over 55-$BETR Super proud to bring the power of Tinman AI to Americas senior homeowners in partnership with $FOA https://www.businesswire.com/news/home/20251014232651/en/Finance-of-America-Partners-with-Better.com-to-Leverage-Tinman-AI-Platform-Expanding-Home-Equity-Product-Suite-for-Homeowners-Over-55 http://Better.com"  
[X Link](https://x.com/vishal_better/status/1978075647961358371)  2025-10-14T12:29Z [----] followers, 13.9K engagements


"Wait till all these banks who are long human expert underwriting realize that the AI document fraud has gotten so good that only AI underwriting can recognize and stop it. Theres a reason Tinmans defect/fraud rate is 1/30 the industry average. https://www.bloomberg.com/news/articles/2025-10-16/zions-western-alliance-disclose-bad-loans-tied-to-alleged-fraud https://www.bloomberg.com/news/articles/2025-10-16/zions-western-alliance-disclose-bad-loans-tied-to-alleged-fraud"  
[X Link](https://x.com/vishal_better/status/1978928519351800289)  2025-10-16T20:58Z [----] followers, [----] engagements


"All this inflation was a result of the Biden era policies dumping trillions of dollars in handouts to people who promptly spent all of it. As we return to reality inflation should normalize as well and with it interest rates. Betsy is ready https://www.wsj.com/finance/commodities-futures/oil-prices-drop-to-the-lowest-level-in-nearly-five-years-d7515a8fst=HdKZ4o https://www.wsj.com/finance/commodities-futures/oil-prices-drop-to-the-lowest-level-in-nearly-five-years-d7515a8fst=HdKZ4o"  
[X Link](https://x.com/vishal_better/status/1978956032710713515)  2025-10-16T22:47Z [----] followers, [----] engagements


"Blackstone says Wall Street is complacent about AI disruption via @FT Heres the quote from Jon Gray : If you think about rules-based businesses legal accounting transaction and claims processing this is going to be profound https://on.ft.com/4on4nUj https://on.ft.com/4on4nUj"  
[X Link](https://x.com/vishal_better/status/1979578285815152886)  2025-10-18T16:00Z [----] followers, [---] engagements


"Do not trust your eyes: AI generates surge in expense fraud via @FT This applies on mortgage docs reviewed by traditional human processors and underwriters. The only way to fight AI doc fraud is through AI review @tinmanAI $betr https://on.ft.com/4qyd2W8 https://on.ft.com/4qyd2W8"  
[X Link](https://x.com/vishal_better/status/1982428615766585675)  2025-10-26T12:46Z [----] followers, [----] engagements


"Jay Powell thinks rates dont have far to fall via @FT Slow path down on rates is WAY better for $betr - allows us time to build capacity to monetize the deals we have inked. Going to be brutal for others who were long call center staff hoping for a cut. https://giftarticle.ft.com/giftarticle/actions/redeem/4ef5039b-eb95-47f2-971b-c42b6de64b7a https://giftarticle.ft.com/giftarticle/actions/redeem/4ef5039b-eb95-47f2-971b-c42b6de64b7a"  
[X Link](https://x.com/vishal_better/status/1983874842429411605)  2025-10-30T12:33Z [----] followers, [----] engagements


"I have spent [--] years working at the intersection of finance and technology. All of finance is a calculation layer attached to a rules engine with a human or (now) AI interface. Sometimes that human interface is a bond trader and sometimes its a bank teller and sometimes its an AI Loan officer. There is no finance without calculations and rules. The goal is to move the calculations and rules performed by humans into those performed by a computer to those performed by a an AI. The prize remains capturing $1.2 trillion of global banking system profits (approximately 2.5% of global GDP) by using"  
[X Link](https://x.com/vishal_better/status/1984239005307720046)  2025-10-31T12:40Z [----] followers, [----] engagements


"CEO talks integrating AI into the housing market and mortgages Thank you @MelissaLeeCNBC @GuyAdami for having me on your show @CNBCFastMoney today to talk about how $betr is using @tinmanAI to revolutionize the mortgage experience and save American families time and money https://cnb.cx/3Xg8h5P http://Better.com https://cnb.cx/3Xg8h5P http://Better.com"  
[X Link](https://x.com/vishal_better/status/1985521978321584361)  2025-11-04T01:38Z [----] followers, [----] engagements


"US Median First-Time Homebuyer Age Now at Record-High of [--] - Bloomberg Easy way to cut mortgage rates by 50bps and up affordability by $1000/month would be to make guarantee fees by @FannieMae @FreddieMac based on originator performance https://apple.news/A56It1yY0SkajXfZLg6j5QA https://apple.news/A56It1yY0SkajXfZLg6j5QA"  
[X Link](https://x.com/vishal_better/status/1986418300931260497)  2025-11-06T13:00Z [----] followers, [----] engagements


"@SecScottBessent @pulte @bennyjohnson If you want to cut housing costs stop the socialism in gaurantee fees charged by @FannieMae @FreddieMac . Post the GFC they have doubled. Even worse everyone gets charged the same regardless of risk and default performance. Makes no sense"  
[X Link](https://x.com/vishal_better/status/1986461910573724105)  2025-11-06T15:53Z [----] followers, [---] engagements


"@Mabiverse123 @FannieMae @FreddieMac 180+ days delinquency rate on loans originated"  
[X Link](https://x.com/vishal_better/status/1986641047879860717)  2025-11-07T03:45Z [----] followers, [---] engagements


"Or bullying. Thats why we hire the way they used to on old Wall Street / Silicon Valley - poor smart hungry ready to bite the head off a shark. You cant build a great company with 9-5 work from home Friday snowflakes. when I think about management in [----] and what is considered too direct when I think about management in [----] and what is considered too direct"  
[X Link](https://x.com/vishal_better/status/1987154343490114047)  2025-11-08T13:44Z [----] followers, [----] engagements


"@mattglossop91 @ProductHunt Cool will try it out Thanks for sharing"  
[X Link](https://x.com/vishal_better/status/1989168326359371834)  2025-11-14T03:07Z [----] followers, [--] engagements


"Been working on it since the day GENIUS act went live. Tokenization is going to be super disruptive and drive value to the connectors between consumers and capital who can adopt and integrate. So many arbs possible through tokenization that current market participants are missing"  
[X Link](https://x.com/vishal_better/status/1989495326231736714)  2025-11-15T00:47Z [----] followers, [---] engagements


"Some suggestions for housing / mortgage which is 32% of personal expenses for a family: [--]. stop quantitative tightening and narrow mortgage basis - lowering mortgage rates by 100bps or more - savings $4000/ year per family https://www.wsj.com/economy/consumers/trump-cost-of-living-prices-8e08798dst=G8u2h4 https://www.wsj.com/economy/consumers/trump-cost-of-living-prices-8e08798dst=G8u2h4"  
[X Link](https://x.com/vishal_better/status/1990139637797445649)  2025-11-16T19:27Z [----] followers, 15.6K engagements


"3. Federal pre-emption on zoning. Flush out all the localized corruption and bureaucracy that prevents consumers and small home builders from building on land they own"  
[X Link](https://x.com/vishal_better/status/1990143749482021059)  2025-11-16T19:43Z [----] followers, [---] engagements


"4. Allow AI underwriting end to end of FHA and VA mortgages. Save every middle income and veteran homebuyer $2000 on a mortgage"  
[X Link](https://x.com/vishal_better/status/1990143969926455671)  2025-11-16T19:44Z [----] followers, [---] engagements


"Federal Reserve officials strongly divided on December interest rate cut via @FT No rate cut in December is very good to hear We need time to scale the partnerships and the massive amount of customers we are about to onboard. $BETR https://on.ft.com/3X8BAYb https://on.ft.com/3X8BAYb"  
[X Link](https://x.com/vishal_better/status/1991293090909372585)  2025-11-19T23:50Z [----] followers, [----] engagements


"@ihat Love it @ihat On AI mortgage - you know theres just one real potential partner - BETR How many times did we try to do a deal together when you were there. You know how tough it is. Would love to partner if you know who to connect me with"  
[X Link](https://x.com/vishal_better/status/1957589675377353073)  2025-08-18T23:45Z [----] followers, [---] engagements


"Is Generation Z Unemployable by @SuzyWelch I dont think this is true. I think employers have to upfront test for work ethic ambition and a desire to prioritize learning over everything else in your 20s. Dont let your broken HR depts block you https://www.wsj.com/opinion/is-gen-z-unemployable-288d2ec9st=vASYW7 https://www.wsj.com/opinion/is-gen-z-unemployable-288d2ec9st=vASYW7"  
[X Link](https://x.com/vishal_better/status/1971184778977161285)  2025-09-25T12:07Z [----] followers, [----] engagements


"Pls share details or suggestions on how we can improve. Nothing in mortgage is perfect lots of it has to do with investor rules and compliance regulations post financial crisis. Weve been at it for [--] years and 99% of the industry is still operating on call centers branches and systems built in the windows [--] era. But yes pls share direct feedback here or to vg@better.com - and I will jump on it"  
[X Link](https://x.com/vishal_better/status/1971188070192951345)  2025-09-25T12:20Z [----] followers, [---] engagements


"@johnnyB77570623 Going to check with Kris this am personally. Thanks for flagging that our game on better cover needs work"  
[X Link](https://x.com/vishal_better/status/1971189510936662112)  2025-09-25T12:26Z [----] followers, [---] engagements


"@movewithroam is a great startup. We know them well and have spoken with Raunak and team many times and hope to work with them. They help the 15% of consumers with mortgages that are assumable. The rest of consumers have to get a traditional mortgage. Furthermore a large number of consumers with a low rate mortgage aren't going to move. And the ones that will move and sell to someone else who will assume the mortgage will likely price their property higher than market due to the lower than market financing that comes with it. Assumable mortgages are a tool for some consumers they aren't the"  
[X Link](https://x.com/vishal_better/status/1973932146852274628)  2025-10-03T02:04Z [----] followers, [----] engagements


"@cosmos_being @tinmanAI Company account for better got hacked in [----] and we are trying to get X to give it back to us. In the meantime we got another account stood up @tinmanAI pls follow that"  
[X Link](https://x.com/vishal_better/status/1975946205415997917)  2025-10-08T15:27Z [----] followers, [---] engagements


"Thanks The app is still in beta and super raw. Its on the store but we havent shared it with customers yet because we need to make it better. Thank you for liking it would love more feedback on what we can do better from anyone who has tried it. You can email me directly at vg@better.com Thanks $betr"  
[X Link](https://x.com/vishal_better/status/1978905625829716240)  2025-10-16T19:27Z [----] followers, [---] engagements


"The whole point of rapidly scaling Betsy to capture massive share (look at better without Betsy 2019-2021) without having to scale the workforce and the physical footprint nearly as much. @vishalgarg1_0 @FT Good to hear. Assuming Trump gets what he wants rates could fall quickly with new fed chair. Is Better preparing for that @vishalgarg1_0 @FT Good to hear. Assuming Trump gets what he wants rates could fall quickly with new fed chair. Is Better preparing for that"  
[X Link](https://x.com/vishal_better/status/1984239440894808095)  2025-10-31T12:42Z [----] followers, [----] engagements


"Great npr piece on a mall where half make 10/hour and rest 8/hour Episode 562: A Mall Divided : Planet Money : NPR http://www.npr.org/sections/money/2016/04/06/473128291/episode-562-a-mall-divided http://www.npr.org/sections/money/2016/04/06/473128291/episode-562-a-mall-divided"  
[X Link](https://x.com/vishal_better/status/718400010140917760)  2016-04-08T11:28Z [----] followers, [--] engagements

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