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

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

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

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

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

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

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

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

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

### Social Influence

**Social category influence**
[finance](/list/finance)  [nfl](/list/nfl)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [celebrities](/list/celebrities)  [stocks](/list/stocks)  [social networks](/list/social-networks)  [us election](/list/us-election)  [cryptocurrencies](/list/cryptocurrencies)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[mortgage rate](/topic/mortgage-rate) #93, [rates](/topic/rates), [inflation](/topic/inflation), [money](/topic/money), [homes](/topic/homes), [nfl](/topic/nfl), [in the](/topic/in-the), [nba](/topic/nba), [debt](/topic/debt), [investment](/topic/investment)

**Top accounts mentioned or mentioned by**
[@mortgagetruth](/creator/undefined) [@melissasavenko](/creator/undefined) [@solwoldjr74](/creator/undefined) [@gaybearres](/creator/undefined) [@estatebets1135](/creator/undefined) [@advisorjohn](/creator/undefined) [@unusualwhales](/creator/undefined) [@liveunderpar](/creator/undefined) [@gmillermortgage](/creator/undefined) [@mortconsumcoach](/creator/undefined) [@jonbrooks](/creator/undefined) [@brawndoadvisors](/creator/undefined) [@loganmohtashami](/creator/undefined) [@newslambert](/creator/undefined) [@thinkappraiser](/creator/undefined) [@ademkonjevic](/creator/undefined) [@rogainetrader](/creator/undefined) [@m3melody](/creator/undefined) [@mortgagereels](/creator/undefined) [@picturelady1959](/creator/undefined)

**Top assets mentioned**
[GrokCoin (GROKCOIN)](/topic/grok) [Gains (GAINS)](/topic/gains) [DoorDash Inc. (DASH)](/topic/doordash) [Bitcoin (BTC)](/topic/bitcoin) [Chipotle Mexican Grill, Inc. (CMG)](/topic/chipotle)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@lukage1 @755Anaconda @unusual_whales Lol. This is ridiculously deceptive. There is no MONTHLY PMIbut youre still paying for it"  
[X Link](https://x.com/HomeLoanBill/status/1672755197053943809)  2023-06-24T23:54Z [---] followers, [--] engagements


"@Mr_Googie_Hog @imThomasMorales @sweatystartup Except it doesnt win every time. There are several situations where renting is financially the better option. For example those with occupations that require a lot of travel"  
[X Link](https://x.com/HomeLoanBill/status/1678843942618505227)  2023-07-11T20:12Z [---] followers, [--] engagements


"@RobertInDavis"  
[X Link](https://x.com/HomeLoanBill/status/1695507302550298908)  2023-08-26T18:43Z [---] followers, [--] engagements


"@KobeissiLetter Do you know what the word inflation actually means"  
[X Link](https://x.com/HomeLoanBill/status/1697805638066217412)  2023-09-02T02:56Z [---] followers, [--] engagements


"@hmarty_ @bugl3boy @usafwr @ninaturner If the goal is 4-10 hour days then ok. If the goal is 4-8 hour daysthen that should result in a 20% pay cut"  
[X Link](https://x.com/HomeLoanBill/status/1699129337759314288)  2023-09-05T18:36Z [---] followers, [--] engagements


"@txsalth2o This happened while Trump was in office. Im not a fan of Biden but to blame him for the current housing issue is simply not fair to him"  
[X Link](https://x.com/HomeLoanBill/status/1699401364701339866)  2023-09-06T12:37Z [---] followers, [--] engagements


"@econ_robinson @JacobBloom31 @ninaturner Non sequitur"  
[X Link](https://x.com/HomeLoanBill/status/1699582095729766713)  2023-09-07T00:35Z [---] followers, [--] engagements


"@ChrisLa58051945 @JohnYork68 @LegionHoops @BleavSports Every player in the world that is good enough to play in the NBA plays in the NBA. The worst NBA team would annihilate any other non-NBA team. Next youre going to try to tell me WNBA players deserve to be paid as much as NBA players. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1701924804276662756)  2023-09-13T11:44Z [---] followers, [--] engagements


"@goskinsvt @politicalmath we only added about [---] million new homes to the overall inventory despite the US population growing by [---] million in that same timeframe. 3) Since [----] about [----] million homes have been added to the overall inventory despite our population growing by [--] million"  
[X Link](https://x.com/HomeLoanBill/status/1704541901557235967)  2023-09-20T17:03Z [---] followers, [--] engagements


"@goskinsvt @politicalmath 4) The average age of the first time homebuyer is mid 30s. About [--] million Americans age into this demographic every year and about 40% of them (1.6 million) buy a home. Given the median household income for that demographic ($88688) a $300000 home is certainly affordable"  
[X Link](https://x.com/HomeLoanBill/status/1704547568439455972)  2023-09-20T17:26Z [---] followers, [--] engagements


"@NielsHoven @eigenrobot If we pay economists less than college football head coaches we risk people thinking that economists are less valuable than college football head coaches"  
[X Link](https://x.com/HomeLoanBill/status/1705182159172960598)  2023-09-22T11:28Z [---] followers, [---] engagements


"@NielsHoven @eigenrobot If we pay Sandra Bullock more money than Nick Offerman we risk people thinking that Nick Offerman is less valuable than Sandra Bullock"  
[X Link](https://x.com/HomeLoanBill/status/1705183772344229998)  2023-09-22T11:34Z [---] followers, [--] engagements


"@gramphil0 @KeyKey76923110 @grimacemcdonal1 You should research it. Its a good read on what mortgage lenders are allowed to do and what they are not allowed to do. For example if automated underwriting says they can afford a monthly payment that is 42% of their gross monthly income we have to approve them for that loan"  
[X Link](https://x.com/HomeLoanBill/status/1705673629130780957)  2023-09-23T20:00Z [---] followers, [--] engagements


"@blueturtle7588 @GlobalSenate @AliWolfEcon The hottest housing market right now is Denver CO where the current median list price is $659950. A 30% correction puts the list price at $461965. Denver hasnt seen a median list price under $500000 since Q4 2019"  
[X Link](https://x.com/HomeLoanBill/status/1707092818491998210)  2023-09-27T18:00Z [---] followers, [--] engagements


"@politicalmath @NateSilver538 Poverty is the strongest correlating factor of Covid deaths. Nothing else comes close"  
[X Link](https://x.com/HomeLoanBill/status/1708267771069395442)  2023-09-30T23:49Z [---] followers, [--] engagements


"@Econimica @unusual_whales Not in my market it isnt"  
[X Link](https://x.com/HomeLoanBill/status/1708817644088942975)  2023-10-02T12:14Z [---] followers, [--] engagements


"@EstateBets1135 Okgonna need a copy of your RvO calculator. 🙃"  
[X Link](https://x.com/HomeLoanBill/status/1709638192721199273)  2023-10-04T18:34Z [---] followers, [--] engagements


"@Matt_Badiali @JayDevin7 @TroyTheFIREGuy This is only factoring federal income tax. What about state income tax Personal property tax Property tax Sales tax Sin (excise) tax Toll road tax Payroll tax (if youre an employer) Estate tax Capital gains tax Gift tax"  
[X Link](https://x.com/HomeLoanBill/status/1709951567653114087)  2023-10-05T15:19Z [---] followers, [--] engagements


"@politicalmath Meanwhile investing the $240k in the market with a 6% return gets you $190k in ten years. So the question mark is the amount of profit you can expect on rent. If mortgage payments are $1500 and rent is $2000 youre not making any money due to taxes/insurance/maintenance"  
[X Link](https://x.com/HomeLoanBill/status/1710625093594857916)  2023-10-07T11:56Z [---] followers, [--] engagements


"@politicalmath As taxes/insurance/maintenance costs increase youll obviously have to raise rent. Refinancing out of 8% rates is likely but there is more cost that eats away at your equity"  
[X Link](https://x.com/HomeLoanBill/status/1710625497418269175)  2023-10-07T11:57Z [---] followers, [--] engagements


"@BitcoinMiningWA @SunlitTrails @DallasAptGP Lower rates will simply exacerbate the supply issue by increasing demand"  
[X Link](https://x.com/HomeLoanBill/status/1710978242696430072)  2023-10-08T11:19Z [---] followers, [--] engagements


"@_hausy @RabidMonkies @unusual_whales Where is that happening"  
[X Link](https://x.com/HomeLoanBill/status/1710983376004350308)  2023-10-08T11:40Z [---] followers, [---] engagements


"@BitcoinMiningWA @SunlitTrails @DallasAptGP Under normal market conditions perhaps. However supply is simply *too* low. Couple that with the number of homes sold in the last four years that wont be available for another six or so years and work from home reducing the need to relocate"  
[X Link](https://x.com/HomeLoanBill/status/1711067283806699750)  2023-10-08T17:13Z [---] followers, [--] engagements


"Sounds like you hired a bad agent. Next time I would make sure you take some extra time and do your due diligence. Interview several agents. Alternatively you could just try to sell it yourself. Who is stopping you"  
[X Link](https://x.com/HomeLoanBill/status/1713569875099005403)  2023-10-15T14:57Z [---] followers, [--] engagements


"@Tyler_M_Hansen @CenterParody @unusual_whales Who decides the fee How is it decided Also this is flat out a tax on the poor. People who own a $150000 home should pay the same fee as someone who owns a $650000 home Get out of here"  
[X Link](https://x.com/HomeLoanBill/status/1713578808631001126)  2023-10-15T15:33Z [---] followers, [--] engagements


"@EstateBets1135 @NewsLambert @MBAMortgage I feel as though most have provided a basis for their forecasts (projections for unemployment) but the markets have been stubbornly resilient despite rate hikes. The mortgage business used to have a saying stocks up rates up stocks down rates down. That is no longer true"  
[X Link](https://x.com/HomeLoanBill/status/1713869697945321650)  2023-10-16T10:49Z [---] followers, [--] engagements


"@BritishFonzy @PareschiNikolas @unusual_whales Housing isnt an asset"  
[X Link](https://x.com/HomeLoanBill/status/1713998847867756559)  2023-10-16T19:22Z [---] followers, [--] engagements


"@Mark748779211 @SteveHarney Your argument was that prices fall during a recession. The data shows that isnt always the case. The demand for buying a home is still incredibly high. The demand for mortgages is low. Theres a difference"  
[X Link](https://x.com/HomeLoanBill/status/1714432915134714250)  2023-10-18T00:07Z [---] followers, [--] engagements


"@Mark748779211 @SteveHarney Thats fair but it would take 10-12% unemployment to see a 20% correction nation wide. Markets like Austin are an anomaly due to high home prices AND high property taxes. Although TX is also a no income tax stateso perhaps that balances it out"  
[X Link](https://x.com/HomeLoanBill/status/1714435870093173110)  2023-10-18T00:18Z [---] followers, [--] engagements


"@theElontologist @AdultingIsEasy Also this is being VERY kind to renters and only assuming a rent appreciation of 3.5%AND assumes the renter invests everything they save from the difference of monthly home costs and monthly rent costs. But you live in your moms basement. You wouldnt understand. Its ok"  
[X Link](https://x.com/HomeLoanBill/status/1714506960395968765)  2023-10-18T05:01Z [---] followers, [--] engagements


"@charto_tweets @ramit The worst [--] year period in our nations history saw an average annual appreciation rate of 2.65% with a ridiculous amount of inventory on the market. Im being conservative with 4.5%"  
[X Link](https://x.com/HomeLoanBill/status/1714767649337413704)  2023-10-18T22:17Z [---] followers, [--] engagements


"I think this is an interesting take. My job is to evaluate household income monthly debt/liabilities and liquid assets determine how much home an applicant can afford to purchase. What I notice is that despite higher incomes from one year to the next debt to income ratios havent decreased proportionately. Certainly there are those with poor budgeting discipline who will always spend as much as they make. However consumers have seen their groceries utilities insurance healthcare and childcare costs increase faster than their pay. Im one of those people who wouldnt know what to do with myself"  
[X Link](https://x.com/HomeLoanBill/status/1715982508339134760)  2023-10-22T06:44Z [--] followers, [---] engagements


"It doesnt matter what interest rates are if your family has outgrown your current home. It doesnt matter what home prices are if your job moves you from Colorado to Illinois. What matters is whether or not the value of buying a new home is better than the alternative. Value affordability"  
[X Link](https://x.com/HomeLoanBill/status/1716023514673631522)  2023-10-22T09:27Z [--] followers, [---] engagements


"@StoneyBellinger @ElishaBarren @dave_bfr @CorRock3148 NO ONE talked about Fields the way EVERYONE talks about Caleb Williams"  
[X Link](https://x.com/HomeLoanBill/status/1716027700555481545)  2023-10-22T09:44Z [--] followers, [--] engagements


"@Econimica @Seattle_Condos"  
[X Link](https://x.com/HomeLoanBill/status/1716855470420373963)  2023-10-24T16:33Z [--] followers, [--] engagements


"The payment shock from 2021-2022 is insane. This increase requires 11.44% more of the median monthly household income than the previous year (largest one-year increase ever breaking the previous record of 11.35% set in 1980-1981)"  
[X Link](https://x.com/HomeLoanBill/status/1717412070012948690)  2023-10-26T05:25Z [--] followers, [--] engagements


"@KrissBergTweets Tiger Woods had a swing coach. Mike Tyson had a trainer. Get over yourself"  
[X Link](https://x.com/HomeLoanBill/status/1717518182640996361)  2023-10-26T12:26Z [--] followers, [---] engagements


"@EstateBets1135"  
[X Link](https://x.com/HomeLoanBill/status/1718378105675321632)  2023-10-28T21:24Z [--] followers, [--] engagements


"Exactly. Most people dont understand just how much more buying power influence interest rates have compared to home prices. $400000 purchase w/$80000 down @ 6% rate. or $345000 purchase w/$80000 down @ 8% rate. The second option costs $65000 more over the life of the loan"  
[X Link](https://x.com/HomeLoanBill/status/1718408888892973289)  2023-10-28T23:26Z [--] followers, [--] engagements


"@JohnPompliano @ResidentialClub Since [----] Number of years mortgage rates averaged 3% - one (2021). Number of years mortgage rates averaged 3% - every other year"  
[X Link](https://x.com/HomeLoanBill/status/1718985953069429073)  2023-10-30T13:39Z [--] followers, [---] engagements


"@LanaHappens @Rawk_FI Believe it or not annual average mortgage rates landed between 4-6% only [--] times since [----]. That being said the average over the last [--] years is 5.17%"  
[X Link](https://x.com/HomeLoanBill/status/1718989074269086032)  2023-10-30T13:51Z [--] followers, [--] engagements


"@KenrikMarch @unusual_whales 7-9% is certainly less affordable than 4-5% but I dont think its accurate to suggest 7-9% is unreasonable. Below are the [--] most affordable years to finance a home. Nine of those years saw rates at 6.9% or higher"  
[X Link](https://x.com/HomeLoanBill/status/1719002051714171035)  2023-10-30T14:43Z [--] followers, [---] engagements


"@Squirrel_Mind @FilledWithMoney Of course they have Mortgage rates have been falling since the 80s. Lower rates = monthly payment can afford a higher price. In [----] the median home was more than 6x the median household income (for the first time in US history)"  
[X Link](https://x.com/HomeLoanBill/status/1719043014813741234)  2023-10-30T17:26Z [--] followers, [--] engagements


"@Econimica @JohnPompliano @ResidentialClub Wellwere in uncharted waters when it comes to how long these mortgage rates will be this high (or higher). Mortgage rates fell for four decades (from [--] to 21) until they couldnt fall anymore. Now what"  
[X Link](https://x.com/HomeLoanBill/status/1719079515295518945)  2023-10-30T19:51Z [--] followers, [--] engagements


"@Forklift5909 @Econimica Negative Interest Rate Policy"  
[X Link](https://x.com/HomeLoanBill/status/1719132725372735988)  2023-10-30T23:22Z [--] followers, [---] engagements


"@Quant_Kurtis @StealthQE4 Housing is only unrealistically priced at the current mortgage rates. If rates were 6.75% half of median income earners could afford the current median home price. If rates were 5% almost 75% of median income earners could afford the current median home price"  
[X Link](https://x.com/HomeLoanBill/status/1719537850851434601)  2023-11-01T02:12Z [--] followers, [--] engagements


"@Khanfuzed1 @stevegarthwaite @amandaorson So what youre saying is there is significant value in having access to the MLS"  
[X Link](https://x.com/HomeLoanBill/status/1719709918670868644)  2023-11-01T13:36Z [--] followers, [--] engagements


"Hear hear Real estate is HYPER local. You wouldnt plan a picnic based on national weather averages"  
[X Link](https://x.com/HomeLoanBill/status/1720046422429516004)  2023-11-02T11:53Z [--] followers, [----] engagements


"@TrishaFLsun @jimmydean197 @AdvisorJohn @MrAwsumb @SteveHarney @GRomePow @craigkamman @m3_melody @KennyCap_Phd @NipseyHoussle @DonMiami3 Agreed and to illustrate your point here is a slide I use in my local market for realtor presentations"  
[X Link](https://x.com/HomeLoanBill/status/1720072610648617448)  2023-11-02T13:37Z [--] followers, [---] engagements


"@MrAwsumb @TrishaFLsun @jimmydean197 @AdvisorJohn @SteveHarney @GRomePow @craigkamman @m3_melody @KennyCap_Phd @NipseyHoussle @DonMiami3 Thanks. I think it does a good job illustrating my mantra of dont plan a picnic based on a national weather forecast"  
[X Link](https://x.com/HomeLoanBill/status/1720073830298001554)  2023-11-02T13:42Z [--] followers, [---] engagements


"@WineIsJustJuice Youre not wrong. However mortgage interest rates do impact markets differently. The graph below shows change in average monthly payment (year over year). When mortgage rates increased our local market experienced far less payment shock than the rest of the country"  
[X Link](https://x.com/HomeLoanBill/status/1720087648587661331)  2023-11-02T14:37Z [--] followers, [--] engagements


"@evanpdrury @unusual_whales Its not so much that home prices have exceeded wage growth. Its that mortgage rates got everyone used to a certain affordability standard and now that standard has changed. Imagine keeping your thermostat at [--] for four decades and then the cost/kilowatt increased by 80%"  
[X Link](https://x.com/HomeLoanBill/status/1720137706582204869)  2023-11-02T17:56Z [--] followers, [--] engagements


"@MrAwsumb @m3_melody Im noticing that loans with DPA seconds I got approved just a few months ago arent getting through now without reserves. Im guessing automated underwriting wont approve this product unless credit is above average and borrower has at least three months of reserve assets"  
[X Link](https://x.com/HomeLoanBill/status/1720230959386173602)  2023-11-03T00:06Z [---] followers, [--] engagements


"@SteveHarney Stevethats a tad bit misleading. 😕 While there have been [--] times when the annual average mortgage rate exceeded 7.79% only three of those times was purchasing a home less affordable. The other [--] times it was more affordable (even with the higher rate)"  
[X Link](https://x.com/HomeLoanBill/status/1720481790026993727)  2023-11-03T16:43Z [--] followers, [---] engagements


"Good sir 1) Affordability has another component; inflation. Without factoring for inflation [----] looks like it ranks 33rd in least affordable years to finance a home when it actually ranks 19th. 2) Im sure your intentions were pure but the posting rates without the context of affordability *is* misleading"  
[X Link](https://x.com/HomeLoanBill/status/1720493278984823181)  2023-11-03T17:28Z [--] followers, [--] engagements


"Wellthats kind of like saying the problem isnt that my lawn mower is broken; its the tall grass. Higher than normal home prices are a direct result of lower than normal mortgage rates. If mortgage rates were currently 3.1% the current median household income could afford the current median home price"  
[X Link](https://x.com/HomeLoanBill/status/1720528981978391030)  2023-11-03T19:50Z [--] followers, [--] engagements


"@BuilderMonk What do you think the value of a realtor is What would you think is a fair cost to have a realtor list your home"  
[X Link](https://x.com/HomeLoanBill/status/1720920538283905111)  2023-11-04T21:46Z [--] followers, 86.9K engagements


"@kimestep @BuilderMonk 1) Youre welcome to try to hire an agent for 1%. Good luck. 2) Why the comparison to car salesmen 3) Car sales are over in hours. Home sales take weeks (sometimes months)"  
[X Link](https://x.com/HomeLoanBill/status/1720935678639309074)  2023-11-04T22:46Z [--] followers, [----] engagements


"@Investmentkage Housing prices have always outpaced income. The reason homes stayed affordable was due to [--] years of decreasing mortgage rates"  
[X Link](https://x.com/HomeLoanBill/status/1721548888677429371)  2023-11-06T15:23Z [---] followers, [--] engagements


"The oldest boomers went through the least affordable 25-year period time to buy a home the highest 25-year period of inflation and the highest 25-year period for unemployment. The youngest boomers experienced the worst 25-year period of wage growth. But since they have money nowtheyre supposed to be the villain Gimme a break"  
[X Link](https://x.com/HomeLoanBill/status/1721581732741226539)  2023-11-06T17:34Z [--] followers, [----] engagements


"@EstateBets1135 @To_the_bank This is where Im at. I think its just going to take 4-5 years of lower than average home value appreciation average wage growth and mortgage rates hovering around 6-7%"  
[X Link](https://x.com/HomeLoanBill/status/1722033397034266993)  2023-11-07T23:28Z [--] followers, [--] engagements


"@mortgagetruth First time in history that homes cost more than 6x income. The effects of unreasonably low mortgage rates"  
[X Link](https://x.com/HomeLoanBill/status/1722050130965078404)  2023-11-08T00:35Z [--] followers, [--] engagements


"@Kelly___Ireland @floridanow1 @unusual_whales My apologies. I thought we were saying random things that didnt have any thing to do with the topic"  
[X Link](https://x.com/HomeLoanBill/status/1722349101948264547)  2023-11-08T20:23Z [--] followers, [--] engagements


"@AdvisorJohn No. The answer is no. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1723023530210595029)  2023-11-10T17:03Z [--] followers, [--] engagements


"Wages havent kept up with home prices. For [--] years of wages keeping up with home prices. What changed Mortgage rates"  
[X Link](https://x.com/HomeLoanBill/status/1723451184017453503)  2023-11-11T21:22Z [--] followers, [---] engagements


"@chartismatic @SteveHarney Correct. Home equity is very illiquid and expensive to access"  
[X Link](https://x.com/HomeLoanBill/status/1724439469753844166)  2023-11-14T14:49Z [--] followers, [--] engagements


"You when someone suggests 3% appreciation is appropriate: Zillow is now forecasting negative growth. You when someone points out that is a one year projection: Zillow was forecasting growth of 6.5%. Both predictions cannot be true And if one of them is false the other could be as well"  
[X Link](https://x.com/HomeLoanBill/status/1724466416886108494)  2023-11-14T16:36Z [--] followers, [--] engagements


"@1CoastalJournal Youre forgetting about mortgage rates"  
[X Link](https://x.com/HomeLoanBill/status/1724760392243564883)  2023-11-15T12:04Z [--] followers, [---] engagements


"@soldatthetop @SteveWhite11747 @LoganMohtashami Youre leaving out a crucial component of the boom/bust equation: Supply and demand. While demand has certainly softened nation wide meaningful supply has increased in only a handful of major markets in the US. Rekindling the boom = mortgage rates falling to low to mid 6s"  
[X Link](https://x.com/HomeLoanBill/status/1725974891931857296)  2023-11-18T20:30Z [---] followers, [--] engagements


"@MrAwsumb @mortgagereels @GRomePow @m3_melody @Moore6Dg @DiMartinoBooth @JuliusMiami Im going to need you to explain this like Im 5"  
[X Link](https://x.com/HomeLoanBill/status/1726073391667433753)  2023-11-19T03:02Z [---] followers, [---] engagements


"@coD1983og 1) The oldest boomers werent buying homes until the late 70s and mostly early 80s. Mortgage rates were in the double digits for almost all of those years. 2) The most affordable decade to buy a home took place between [----] and 2021"  
[X Link](https://x.com/HomeLoanBill/status/1726419353669673376)  2023-11-20T01:57Z [---] followers, [--] engagements


"@coD1983og You can thank Bill Clinton for that"  
[X Link](https://x.com/HomeLoanBill/status/1726422778817966161)  2023-11-20T02:10Z [---] followers, [--] engagements


"@coD1983og Also it has less to do with home price and more to do with low mortgage rates"  
[X Link](https://x.com/HomeLoanBill/status/1726422997550936476)  2023-11-20T02:11Z [---] followers, [--] engagements


"Dont ride motorcycles. Its simple risk assessment"  
[X Link](https://x.com/HomeLoanBill/status/1726941517418287298)  2023-11-21T12:31Z [---] followers, [---] engagements


"Home prices are secondary to mortgage rates when it comes to affordability factors. Assuming a 3.5% interest rate the monthly payment difference between a $300000 home and a $400000 home is $360. Assuming a $300000 home the monthly payment difference between a 3.5% interest rate and a 7.5% interest rate is $600"  
[X Link](https://x.com/HomeLoanBill/status/1726978843032924174)  2023-11-21T15:00Z [---] followers, [---] engagements


"@Swordfishv44183 @unusual_whales The truth is given where mortgage rates were from 2009-2021 homes were (for many markets) underpriced. The thing that kept prices down was there was plenty of inventory. As inventory decreasedhome prices went up"  
[X Link](https://x.com/HomeLoanBill/status/1726981769638052065)  2023-11-21T15:11Z [---] followers, [--] engagements


"@blueturtle7588 @whittomd @Ross__Hendricks @shunyatit Well thats not entirely true. Buying a home has never been about the price of the home but rather how affordable the payment is. Even when adjusting for inflation wage growth has outpaced monthly payments since 1982"  
[X Link](https://x.com/HomeLoanBill/status/1727174553024258311)  2023-11-22T03:57Z [---] followers, [--] engagements


"@TonyIsHere4You Currency devaluation is the only time when wealth inequality actually matters"  
[X Link](https://x.com/HomeLoanBill/status/1727325946229731650)  2023-11-22T13:59Z [---] followers, [--] engagements


"@mod3rncornelius - You must have accidentally deleted your tweets. Dont worryI screenshot them for you. 🙂"  
[X Link](https://x.com/HomeLoanBill/status/1727427136787824921)  2023-11-22T20:41Z [---] followers, [--] engagements


"@mod3rncornelius It really isnt. Theres so much data at our disposal"  
[X Link](https://x.com/HomeLoanBill/status/1727458913040085450)  2023-11-22T22:47Z [---] followers, [--] engagements


"#DetroitLions posts are ridiculous right now. #Chiefs were 6-4 in [----]. #Bucs were 7-5 in [----]. #Bengals were 7-6 and #Rams were 7-4 in [----]. It was a short week against a division opponent. Adjustments will be made. This team is still good enough to make a run"  
[X Link](https://x.com/HomeLoanBill/status/1727810071118176346)  2023-11-23T22:03Z [---] followers, [---] engagements


"@rickyrickchang @bruc3_wayn3_ @UndertheTotal @PFF_Moo How about [--] TDs and [--] INTs in [--] games. How about a rating of [--] How about the fact that Mac Jones Derrick Carr Jordan Love Joshua Dobbs and Baker Mayfield have more TDs than Stafford Would you like more"  
[X Link](https://x.com/HomeLoanBill/status/1727890955150246248)  2023-11-24T03:24Z [---] followers, [---] engagements


"@tomjhora @GRomePow But not with a [---] credit score at 56% DTI with 3.5% down"  
[X Link](https://x.com/HomeLoanBill/status/1728220486377807878)  2023-11-25T01:14Z [---] followers, [--] engagements


"@tomjhora @GRomePow Not with a [---] credit score 56% DTI and only 3.5% down"  
[X Link](https://x.com/HomeLoanBill/status/1728223634060419388)  2023-11-25T01:26Z [---] followers, [--] engagements


"@tomjhora @GRomePow I meanthat was the lie that Darth was pushingso"  
[X Link](https://x.com/HomeLoanBill/status/1728224687833170124)  2023-11-25T01:30Z [---] followers, [--] engagements


"@tomjhora @GRomePow The last [---] credit score I was able to get approved was with a DTI less than 43% a 10% down payment and three months of reserve assets. Oh and they had to sell their current home (AUS wouldnt allow for the borrower to own multiple properties)"  
[X Link](https://x.com/HomeLoanBill/status/1728225338701054378)  2023-11-25T01:33Z [---] followers, [--] engagements


"@MrAwsumb @tomjhora @GRomePow Not at max LTV. FHA wont guarantee a sub [---] credit score without 90% LTV"  
[X Link](https://x.com/HomeLoanBill/status/1728233596962640311)  2023-11-25T02:06Z [---] followers, [--] engagements


"@MrAwsumb @tomjhora @GRomePow In the little time Ive known you I have not seen you post anything that would give me the impression that youre untrustworthy. That being said I simply do not believe that max DTI/LTV loans closed with a [---] credit score. Not without massive offsetting circumstances"  
[X Link](https://x.com/HomeLoanBill/status/1728235721050534055)  2023-11-25T02:14Z [---] followers, [--] engagements


"Smart phones. Without question"  
[X Link](https://x.com/HomeLoanBill/status/1728496250691961115)  2023-11-25T19:29Z [---] followers, [---] engagements


"From [----] to [----] mortgage payments increased by only 50% (over [--] years). From [----] to [----] mortgage payments increased by 95%. Its gonna be a while before this gets worked out. 🤓"  
[X Link](https://x.com/HomeLoanBill/status/1728621669176992142)  2023-11-26T03:48Z [---] followers, [----] engagements


"@mortgagetruth @KobeissiLetter Thats fascinating One in [--] were originated in the highest interest rate period since the 90s"  
[X Link](https://x.com/HomeLoanBill/status/1729501428060750257)  2023-11-28T14:04Z [---] followers, [--] engagements


"@KnowingBetterYT @Mr_Sloth17TTV @michgold1 Its really not offensive. Like at all"  
[X Link](https://x.com/HomeLoanBill/status/1729665653391392808)  2023-11-29T00:56Z [---] followers, [---] engagements


"@JaysonnnnS @SteveHarney You should be bearish in Texas"  
[X Link](https://x.com/HomeLoanBill/status/1729866029327937699)  2023-11-29T14:12Z [---] followers, [--] engagements


"@goldenkazeburny @staywinningpod My ability to make money has very little to do with the housing market. It has much more to do with my ability to solve problems. You provided one example with zero context. Thats why your comment was boring. Take a look at the inventory of the nations top [--] counties"  
[X Link](https://x.com/HomeLoanBill/status/1729876631756710291)  2023-11-29T14:55Z [---] followers, [--] engagements


"@kel_lemons @Blind__Luck Why not ride a low interest rate and invest the difference in monthly payment"  
[X Link](https://x.com/HomeLoanBill/status/1731298173073661952)  2023-12-03T13:03Z [---] followers, [--] engagements


"@MrAwsumb @mortgagetruth @Chaubs31 40% DTI on the front or back 40% on the back isnt bad at all. Also just because the loan app shows 40% DTI doesnt mean all household income is being used. If I can get an app through underwriting without using overtime/bonus/commission income I do it"  
[X Link](https://x.com/HomeLoanBill/status/1731303686696014182)  2023-12-03T13:25Z [---] followers, [--] engagements


"@EstateBets1135 6% is an affordable rate. 5% is a good mortgage rate. 4% is a fantastic mortgage rate. 3% is a something is very wrong rate"  
[X Link](https://x.com/HomeLoanBill/status/1731354806969594162)  2023-12-03T16:48Z [---] followers, [--] engagements


"@RadGrapes I literally chose the worst 10-year period. If Im cherry-pickingits for your argument. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1731367069344485382)  2023-12-03T17:37Z [---] followers, [--] engagements


"@lehrer_ted @ramit My favorite is interest being a phantom cost. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1731475648588198392)  2023-12-04T00:48Z [--] followers, [--] engagements


"Ive experienced traffic in a HCOL area (for about four years). Youre not fooling anyone when you say Im never driving an hour for a store. 😂 Furthermore lets test out your net worth theory Lets say I purchased this home in San Diego CA in January of [----] for $492400 putting 20% down with a payment of roughly $1950/month. Ten years later I sell for $1.175M. My net proceeds is about $785000 after paying off the loan balance and realtor fees. OrI buy my current home which was worth $94000 in [----] putting 0% down since its a rural area for a monthly payment of $850. I invest what I saved from"  
[X Link](https://x.com/HomeLoanBill/status/1731741932039147536)  2023-12-04T18:27Z [---] followers, [---] engagements


"@To_the_bank But thats exactly what the graph shows. The baseline is 28.59% DTIbut the MHI has been adjusted for inflation"  
[X Link](https://x.com/HomeLoanBill/status/1731871245820408115)  2023-12-05T03:00Z [---] followers, [--] engagements


"@To_the_bank I disagree because I think you have to establish a baseline of affordability (otherwise there is no context). But if you insist here you go 🙂"  
[X Link](https://x.com/HomeLoanBill/status/1731875346075550072)  2023-12-05T03:17Z [---] followers, [--] engagements


"@To_the_bank Sorry orange line represents mortgage rates. Blue columns represent DTI"  
[X Link](https://x.com/HomeLoanBill/status/1731875573431968174)  2023-12-05T03:18Z [---] followers, [--] engagements


"@Solwoldjr74 @indexnforgetit @BullandBaird Debt as a percentage of assets is actually down"  
[X Link](https://x.com/HomeLoanBill/status/1732532732058644819)  2023-12-06T22:49Z [---] followers, [---] engagements


"@TheCashFlow_Guy WaitI didnt think home improvements were on the list. If they are thats amazing"  
[X Link](https://x.com/HomeLoanBill/status/1732772591029633247)  2023-12-07T14:42Z [---] followers, [--] engagements


"@judgebushwood Dose the man with truth serum and ask him the same question. No way he gives the same answer"  
[X Link](https://x.com/HomeLoanBill/status/1732827970304188844)  2023-12-07T18:22Z [---] followers, [--] engagements


"@Driven85 @GrantCardone Im a fan of personal property tax"  
[X Link](https://x.com/HomeLoanBill/status/1732913066453438493)  2023-12-08T00:00Z [---] followers, [--] engagements


"@Driven85 @GrantCardone But I do think some level of income tax is necessary for anyone earning over $80k"  
[X Link](https://x.com/HomeLoanBill/status/1732913360037900672)  2023-12-08T00:01Z [---] followers, [--] engagements


"@AdvisorJohn DU/LPA wont approve multiple primary residence purchases within the same year without the sale of the previous home (provided theres a mortgage on the credit report)"  
[X Link](https://x.com/HomeLoanBill/status/1733294292225945977)  2023-12-09T01:15Z [---] followers, [---] engagements


"@RGIII The line of scrimmage is one of the most fundamental pieces of the game of football. To expect a referee to warn a player if theyre offside is akin to expecting an MLB umpire to warn a hitter next time your check swing crosses the plate its gonna be a strike"  
[X Link](https://x.com/HomeLoanBill/status/1734173589169913898)  2023-12-11T11:29Z [---] followers, [---] engagements


"The line of scrimmage is one of the most fundamental pieces of the game of football. To expect a referee to warn a player if theyre offside is akin to expecting an MLB umpire to warn a hitter next time your check swing crosses the plate its gonna be a strike"  
[X Link](https://x.com/HomeLoanBill/status/1734173713296159170)  2023-12-11T11:30Z [---] followers, [--] engagements


"@TheGoatMahomes I agree that this is uncharacteristic of him but you learn more about someones character when things arent going their way than when things are going well. Show me clips of guys like Matthew Stafford or Andrew Luck behaving this way after a loss. Ill wait"  
[X Link](https://x.com/HomeLoanBill/status/1734210255909798026)  2023-12-11T13:55Z [---] followers, [----] engagements


"@RPliler @TheGoatMahomes I think hes my all-time favorite athlete. Shoulders the responsibility after a loss and credits everyone else after a win. Plays through injury and leaves it all on the field every game. I just hope he retires sooner than later. Hes taken such a beating throughout his career"  
[X Link](https://x.com/HomeLoanBill/status/1734213946708516890)  2023-12-11T14:09Z [---] followers, [---] engagements


"@Squirrel_Mind But in the other scenarioyou go to jail for not paying. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1734537122944614487)  2023-12-12T11:34Z [---] followers, [--] engagements


"@Squirrel_Mind Exhibit A your honor"  
[X Link](https://x.com/HomeLoanBill/status/1734557101043638612)  2023-12-12T12:53Z [---] followers, [--] engagements


"@conorsen Wall Street would like to know in advance if those specific questions are going to be asked. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1734924040656028070)  2023-12-13T13:11Z [---] followers, [---] engagements


"@AdvisorJohn @mortgagecredit IMO a normal housing market is simply one where there is stability and a reasonable amount of predictability. Like the proverbial frog in boiling water I believe that rapid increases in cost scare buyers more so than predictable high costs"  
[X Link](https://x.com/HomeLoanBill/status/1734974568823915017)  2023-12-13T16:32Z [---] followers, [--] engagements


"@KobeissiLetter Mortgage rates are mid-6s"  
[X Link](https://x.com/HomeLoanBill/status/1736521497680691656)  2023-12-17T22:59Z [---] followers, [--] engagements


"@BigMouthBarry @Solwoldjr74 @gornagraphic @KobeissiLetter Dollar General revenue is up 10.59% over last year"  
[X Link](https://x.com/HomeLoanBill/status/1737126537722290655)  2023-12-19T15:03Z [---] followers, [--] engagements


"@69nich @awealthofcs The housing market was already destroyed. This is the (temporary) fix"  
[X Link](https://x.com/HomeLoanBill/status/1737772155331317796)  2023-12-21T09:49Z [---] followers, [--] engagements


"@RylanSkye Lol. Daniel Jones sent you guys home last year. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1739443391971090868)  2023-12-26T00:29Z [--] followers, [---] engagements


"@RylanSkye Watched the Vikings lose to DANIEL JONES 😂"  
[X Link](https://x.com/HomeLoanBill/status/1739468328970662015)  2023-12-26T02:09Z [---] followers, [--] engagements


"@joeybagliere @jgrover1533 I did. Not the MVP"  
[X Link](https://x.com/HomeLoanBill/status/1739627225530400969)  2023-12-26T12:40Z [---] followers, [--] engagements


"@joeybagliere @jgrover1533 Heres a hypothetical exercise that proves BP is not the leagues MVP SF calls KC and offers BP for Mahomes. KC laughs hysterically before hanging up. KC calls SF and offers Mahomes for BP. SF literally packs BPs bags for him"  
[X Link](https://x.com/HomeLoanBill/status/1739717583069221040)  2023-12-26T18:39Z [---] followers, [--] engagements


"@joeybagliere @jgrover1533 MIA DET KC DAL BUF JAX LAR PHI HOU BAL LAC and CIN. None of these teams trade their current QB for BP. Half of them trade their current QB for Mahomes"  
[X Link](https://x.com/anyuser/status/1739721616727122193)  2023-12-26T18:55Z [--] followers, [--] engagements


"@NFLonCBS @49ers @CMC_22 San Franciscos real MVP"  
[X Link](https://x.com/anyuser/status/1740160818770272393)  2023-12-28T00:00Z [--] followers, [---] engagements


"@michaelluchies The only team to make a Super Bowl with a worse pass rush than the Lions was the Patriots (I forget which year). Pass rush is too important. I dont see the Lions being able to go deep into the playoffs this year"  
[X Link](https://x.com/HomeLoanBill/status/1740342219809415668)  2023-12-28T12:01Z [---] followers, [---] engagements


"@michaelluchies @Natanyahoo2 @MVP2494 I would bet on SF or DAL before I bet on DET. PHIs defense is worse than DET"  
[X Link](https://x.com/HomeLoanBill/status/1740419655725191264)  2023-12-28T17:09Z [---] followers, [--] engagements


"@Natanyahoo2 @michaelluchies @MVP2494 The point is that you *must* choose. You can say I wouldnt choose all you want but then you miss the point of the exercise. Are you suggesting the Lions have an equal chance of reaching the Super Bowl as SF and DAL"  
[X Link](https://x.com/HomeLoanBill/status/1740420640166023213)  2023-12-28T17:13Z [---] followers, [--] engagements


"@mjolke @Viivee__ @githii Where in gods name are you walking 😂😂😂"  
[X Link](https://x.com/anyuser/status/1740917991443697934)  2023-12-30T02:09Z [--] followers, [----] engagements


"@HEX_helper @mjolke @Viivee__ @githii I own three dogsso"  
[X Link](https://x.com/HomeLoanBill/status/1741060520940032279)  2023-12-30T11:35Z [---] followers, [---] engagements


"@MisfitEngineer @Cokedupoptions To an extent. The monthly payment difference is actually closer to $630/month (using his calculations for PMI) most of which is unrecoverable cost (interest/PMI). If monthly affordability/cash flow isnt a concern then take the $75k now and invest"  
[X Link](https://x.com/anyuser/status/1741071894655213754)  2023-12-30T12:21Z [--] followers, [--] engagements


"@dfwaaronlayman I feel for you Texans. Illinois has high property tax but far lower home values"  
[X Link](https://x.com/HomeLoanBill/status/1741090513963405741)  2023-12-30T13:35Z [---] followers, [---] engagements


"@QuinnTriciaSuck @NFLOfficiating @NFL It wouldnt have mattered anyway. It was an illegal formation"  
[X Link](https://x.com/HomeLoanBill/status/1741315562662162732)  2023-12-31T04:29Z [---] followers, [----] engagements


"@Golden_Braun @QuinnTriciaSuck @NFLOfficiating @NFL Im learning I may be wrong here 😂"  
[X Link](https://x.com/HomeLoanBill/status/1741322185879191696)  2023-12-31T04:55Z [--] followers, [---] engagements


"@NipseyHoussle @mortgagereels Rent will be $1900/month ten years from now"  
[X Link](https://x.com/anyuser/status/1741446902405611544)  2023-12-31T13:11Z [--] followers, [--] engagements


"This dude cant math. 😂 Not seeing a [----] option Not seeing a [----] option"  
[X Link](https://x.com/HomeLoanBill/status/1741447237077467137)  2023-12-31T13:12Z [---] followers, [----] engagements


"@man__Campbell To be fair Dallas wasnt able to move the ball on the ground all game"  
[X Link](https://x.com/HomeLoanBill/status/1741458779718242754)  2023-12-31T13:58Z [---] followers, [--] engagements


"@es3_09 If you cant hit a QB high and you cant hit a QB low and you cant land on them when you tackle how else are you supposed to take a QB to the ground"  
[X Link](https://x.com/HomeLoanBill/status/1742182626817900591)  2024-01-02T13:54Z [---] followers, 12.2K engagements


"@jphuckinplay @es3_09 Legally taking down the QB"  
[X Link](https://x.com/anyuser/status/1742291004688834719)  2024-01-02T21:05Z [--] followers, [---] engagements


"@MKRealtyLife I think mortgage rates will trend opposite of rent inflation. If we start to see rent inflation surge mortgage rates will fall substantially and quickly"  
[X Link](https://x.com/HomeLoanBill/status/1742656404236968145)  2024-01-03T21:17Z [---] followers, [--] engagements


"@SemperVigilant1 @RandoAnalytics I dont know a realtor/lender who doesnt think about this and inform the client of potential future payment increases"  
[X Link](https://x.com/anyuser/status/1742938686294286508)  2024-01-04T15:58Z [--] followers, [--] engagements


"@data_analystguy Straight into my veins 😂"  
[X Link](https://x.com/HomeLoanBill/status/1743250793707315315)  2024-01-05T12:39Z [---] followers, [--] engagements


"@RedditCFB NFL CFB"  
[X Link](https://x.com/HomeLoanBill/status/1743973310713512113)  2024-01-07T12:30Z [---] followers, [----] engagements


"@AyJay14_ @JKBOGEN YeahIm ok with that. Hurts at [--] is insane. Putting Tua Stroud ahead of Goff is silly. I could entertain an argument for Purdy/Tua"  
[X Link](https://x.com/HomeLoanBill/status/1744503190706389085)  2024-01-08T23:35Z [---] followers, [--] engagements


"@JKBOGEN Hurts doesnt belong anywhere near the top [--]. Putting Stroud ahead of Goff is insane. I could entertain an argument for Tua/Purdybut I think at best theyre as good as Goff (not better)"  
[X Link](https://x.com/anyuser/status/1744503776176697627)  2024-01-08T23:38Z [--] followers, [---] engagements


"@lionswinone3 @Devoted2DET @NFL The game is intellectual property"  
[X Link](https://x.com/HomeLoanBill/status/1746162510883938654)  2024-01-13T13:29Z [---] followers, [--] engagements


"Think about itthe Lions got a PRO BOWL caliber QB two first rounds picks and a third round pick for Stafford. That very year he wins a Super Bowl. Meanwhile on the backs of the talent the Lions received for that trade they won the NFC North and are the 3-seed in the NFC. Both directly and indirectly Stafford helped the Lions become who they are today. I think a short Thanks for [--] great years tribute video is warranted. The Lions wouldnt where they are without him"  
[X Link](https://x.com/HomeLoanBill/status/1746537818304778533)  2024-01-14T14:20Z [---] followers, [--] engagements


"@data_analystguy I used to think the same thing. Then I witnessed Afghanistan get completely overrun in a matter of days by people with nothing more than rifles"  
[X Link](https://x.com/HomeLoanBill/status/1746543033657544849)  2024-01-14T14:41Z [---] followers, [--] engagements


"@TNSouthernlib This simply isnt true as evidenced by social media blowing up over people having to subscribe to watch"  
[X Link](https://x.com/HomeLoanBill/status/1746544377722270105)  2024-01-14T14:46Z [--] followers, [--] engagements


"Too many people do not understand how the underwriting process works. @HomeLoanBill @AustinWhittRE @aremuhknee @RandoAnalytics No one was "blaming them" but if an underwriter is not communicating at least some risk esp if a buyer is going for $800k + it seems irresponsible at best. even when they are not fiduciaries just as fellow humans. No one looks out for anyone else anymore it seems. @HomeLoanBill @AustinWhittRE @aremuhknee @RandoAnalytics No one was "blaming them" but if an underwriter is not communicating at least some risk esp if a buyer is going for $800k + it seems irresponsible at"  
[X Link](https://x.com/HomeLoanBill/status/1747611435096584560)  2024-01-17T13:26Z [---] followers, [---] engagements


"@keyladelslay @AustinWhittRE @aremuhknee @RandoAnalytics For non-conforming conventional and government backed loans (about 90% of all mortgages) the bank *can not* say no if the borrower qualifies based on automated underwriting requirements. I think thats the disconnect here. You think banks have the final say. They dont"  
[X Link](https://x.com/HomeLoanBill/status/1747615566674719178)  2024-01-17T13:43Z [---] followers, [--] engagements


"@HuevoDee @RNCResearch This would have happened regardless of who was in office"  
[X Link](https://x.com/HomeLoanBill/status/1748138093872386271)  2024-01-19T00:19Z [---] followers, [--] engagements


"@branden_leonard @Mflores1275 @Shane_McCue_ Its because all of a sudden theyre actually good. The only fans who are arrogant even though their team is bad are Chicago Bears fans (I live in Illinois)"  
[X Link](https://x.com/HomeLoanBill/status/1748730673781755928)  2024-01-20T15:34Z [--] followers, [---] engagements


"@speedbump25 @Mflores1275 @Shane_McCue_ Remind mehow many Super Bowl wins do the Vikings have Same number as the Lions 😉"  
[X Link](https://x.com/anyuser/status/1748768716358091232)  2024-01-20T18:05Z [--] followers, [---] engagements


"@kyle_clegg Cheap move You think the fans/players/owners care more about winning or a cheap move"  
[X Link](https://x.com/HomeLoanBill/status/1749269702038126878)  2024-01-22T03:16Z [---] followers, [--] engagements


"@Bibbz01 @kyle_clegg Winning is all that matters. If the Lions mismanaged the clock and left enough timethats on them. As a head coach you call timeout"  
[X Link](https://x.com/HomeLoanBill/status/1749405778253951324)  2024-01-22T12:16Z [---] followers, [--] engagements


"@Mrupandgo_ Kind of like the last two Rams seasons 😉 Its ok. I know youre secretly a Lions fan this week. 🙂"  
[X Link](https://x.com/HomeLoanBill/status/1749423825614192961)  2024-01-22T13:28Z [---] followers, [--] engagements


"@CGJXXIII Ive never wanted a player cut as much as you"  
[X Link](https://x.com/HomeLoanBill/status/1751853639973445725)  2024-01-29T06:23Z [---] followers, 12.5K engagements


"@wingoz Yeahbecause Dan Campbell dropped all those passes and fumbled. 🙄"  
[X Link](https://x.com/HomeLoanBill/status/1751961771722608935)  2024-01-29T13:33Z [---] followers, [---] engagements


"@WesternPolitic @9400BCE @o2felt @zerohedge Mortgage rates have a far greater impact on affordability than price"  
[X Link](https://x.com/HomeLoanBill/status/1752328200628191696)  2024-01-30T13:49Z [---] followers, [--] engagements


"@AzizSunderji I dont see a lot of value in MoM"  
[X Link](https://x.com/HomeLoanBill/status/1752347043593376237)  2024-01-30T15:04Z [---] followers, [--] engagements


"@Drew40683012 @CJ07370 @RSherman_25 😂😂😂 Jimmy Freaking Garoppolo was the starting QB the last time the 49ers made the Super Bowl"  
[X Link](https://x.com/HomeLoanBill/status/1753409350951919921)  2024-02-02T13:25Z [---] followers, [--] engagements


"Muting the following words Brock Purdy 49ers Cam Newton Belichick Commanders Kelce Brady Mahomes Coordinator Ohand Hugh Jackman (Scrubs reference 😜)"  
[X Link](https://x.com/HomeLoanBill/status/1753450256606401019)  2024-02-02T16:08Z [---] followers, [---] engagements


"@TraderSmith09 @SteveHarney But they dont have to. Marginal home price increases (2% per year) coupled with average income growth and 0.75%/year decrease in mortgage interest rate puts us back to [----] affordability within [--] years"  
[X Link](https://x.com/HomeLoanBill/status/1754253411799752773)  2024-02-04T21:19Z [---] followers, [--] engagements


"@data_analystguy How reliable is residential internet for all these other countries I genuinely dont know the answer and it could be that its more reliable than here in the US. If not though it could explain why were able to work from home and theyre not"  
[X Link](https://x.com/HomeLoanBill/status/1755699043370402255)  2024-02-08T21:04Z [---] followers, [--] engagements


"@vladimir_snydl @3YearLetterman @TuckerCarlson Victor you should know better than to publicly disagree with a living youth football coaching legend. You should repent"  
[X Link](https://x.com/HomeLoanBill/status/1755953996127252975)  2024-02-09T13:57Z [---] followers, [--] engagements


"The problem with your rebuttal is it fails to acknowledge the starting point of both investment scenarios. When you buy a $350k home your starting point is $350k less the cost of buying/selling. When you invest into an index fund your starting point is buying costs (about $25k to $30k)"  
[X Link](https://x.com/HomeLoanBill/status/1756723673635951077)  2024-02-11T16:55Z [---] followers, [--] engagements


"@TonyIsHere4You @unusual_whales While the yen is the third most traded currencyIm not so sure it has the strength to significantly weaken the global financial system. It only amounts to about 13% of traded currency. It would have to bottom out completely to cause significant global damage"  
[X Link](https://x.com/HomeLoanBill/status/1757940196115452032)  2024-02-15T01:29Z [---] followers, [--] engagements


"No one is acting as if 3% mortgage rates are returning. No one. People everywhere are acting as if returning to 3% mortgage rates is a given That its only a matter of time On what basis are we making this assertion People everywhere are acting as if returning to 3% mortgage rates is a given That its only a matter of time On what basis are we making this assertion"  
[X Link](https://x.com/HomeLoanBill/status/1758636998863335754)  2024-02-16T23:38Z [---] followers, [---] engagements


"@cherrygarciafan @CyberSecurity__ This is NOT what happened with the GFC. 1) During GFC there were zero income qualifiers on ARM loans with no cap on adjustments. 2) With these temporary buydowns buyers must qualify for the highest payment or the loan is denied"  
[X Link](https://x.com/HomeLoanBill/status/1759543937109287187)  2024-02-19T11:42Z [---] followers, [--] engagements


"@cherrygarciafan @CyberSecurity__ Youre missing the point; they have to qualify for the highest payment to get this loan"  
[X Link](https://x.com/HomeLoanBill/status/1759549474261655983)  2024-02-19T12:04Z [---] followers, [--] engagements


"@cherrygarciafan @CyberSecurity__ Sonothing like GFC @CyberSecurity__ This is what happened in the GFC with adjustable mortgages when they reset. Im far more worried about the buyers than the builders. @CyberSecurity__ This is what happened in the GFC with adjustable mortgages when they reset. Im far more worried about the buyers than the builders"  
[X Link](https://x.com/HomeLoanBill/status/1759550915458093187)  2024-02-19T12:10Z [---] followers, [---] engagements


"I have no clue what Nvidia is and at this point Im afraid to ask. 🤓"  
[X Link](https://x.com/HomeLoanBill/status/1760311201853034593)  2024-02-21T14:31Z [---] followers, [----] engagements


"@AdamSchefter Yall can thank the @Lions. 😉 #OnePride"  
[X Link](https://x.com/HomeLoanBill/status/1761398450501923152)  2024-02-24T14:31Z [---] followers, [---] engagements


"@NFL_Stats Cedric Benson"  
[X Link](https://x.com/HomeLoanBill/status/1761898127408107879)  2024-02-25T23:37Z [---] followers, [---] engagements


"@CyberSecurity__ @AdvisorJohn @MG_MBS You should have refinanced through a bank"  
[X Link](https://x.com/HomeLoanBill/status/1762285685371789462)  2024-02-27T01:17Z [---] followers, [--] engagements


"@RCorySmith I meanif he broke a rule 🤷♂"  
[X Link](https://x.com/HomeLoanBill/status/1762459430463918268)  2024-02-27T12:47Z [---] followers, 27K engagements


"@Solwoldjr74 ThEy HaVe tO cOmE dOwNtHeYrE ToO hIgH"  
[X Link](https://x.com/HomeLoanBill/status/1762596165877387333)  2024-02-27T21:50Z [---] followers, [--] engagements


"@MrBudgetBill @lindsaystamp3 There are only two times when I encourage homeowners to pay off their mortgage early. 1) When retirement is secured and guaranteed (pension). 2) When mortgage rates are high and you are close (5-10 years) to retirement. Otherwise invest that extra money"  
[X Link](https://x.com/HomeLoanBill/status/1765401843423711584)  2024-03-06T15:39Z [---] followers, [--] engagements


"@data_analystguy Im never going to fault a guy for daring to think for himself. Id rather have a society full of people who think for themselves rather than sheep who believe whatever theyre told. That being said Aaron Rodgers has a very punchable face. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1768595382299214257)  2024-03-15T11:09Z [---] followers, [--] engagements


"@LeadingReport The people who think this has anything to do with Trump/Biden should have their voting rights revoked"  
[X Link](https://x.com/HomeLoanBill/status/1768819539955839316)  2024-03-16T02:00Z [---] followers, 26.5K engagements


"@tawillionaire @CarolWalshReal1 Technically VA allows unlimited concessions for standard loan costs. They only allow 4% seller concessions for anything that isnt a standard loan cost (buydown credits prepaid taxes funding fee etc)"  
[X Link](https://x.com/HomeLoanBill/status/1769025150123376681)  2024-03-16T15:37Z [---] followers, [--] engagements


"@mro_mark @LeadingReport Mortgage rates and home prices are a separate animal"  
[X Link](https://x.com/HomeLoanBill/status/1769044943538958515)  2024-03-16T16:55Z [---] followers, [----] engagements


"@ThinkAppraiser 20-ish"  
[X Link](https://x.com/HomeLoanBill/status/1769062189887807802)  2024-03-16T18:04Z [---] followers, [--] engagements


"@TheRealChava @ofKORSIis @LeadingReport Who sets monetary policy in the US"  
[X Link](https://x.com/HomeLoanBill/status/1769179897702859156)  2024-03-17T01:52Z [---] followers, [--] engagements


"@SFAndrey80 @zeathawriter @ancntrll And it takes MONTHS. 😂"  
[X Link](https://x.com/HomeLoanBill/status/1769330959273337293)  2024-03-17T11:52Z [---] followers, [---] engagements


"Cumulative change in income has outpaced cumulative change in monthly mortgage payments over the last four decades. Mortgage payments have hit an all time high for first time home buyers the highest since 1989: https://t.co/VWGRIwJjRM Mortgage payments have hit an all time high for first time home buyers the highest since 1989: https://t.co/VWGRIwJjRM"  
[X Link](https://x.com/HomeLoanBill/status/1769695417489313869)  2024-03-18T12:00Z [---] followers, [---] engagements


"@StockBaron___ Im guessing you dont understand how PIWs work (understandable if youre not in the mortgage space). Its not simply a matter of credit score and LTV. Its also based on market data and specifically previous sold data for that specific household"  
[X Link](https://x.com/HomeLoanBill/status/1769738588034327015)  2024-03-18T14:52Z [---] followers, [--] engagements


"@StockBaron___ I have had plenty of 800+ credit score borrowers who are putting more than 20% down not receive a PIW because there isnt enough data on the subject property"  
[X Link](https://x.com/HomeLoanBill/status/1769739756269646125)  2024-03-18T14:56Z [---] followers, [--] engagements


"@jaboch @melissasavenko Buyers REALLY dont want this to happen. Theyll certainly end up paying more"  
[X Link](https://x.com/HomeLoanBill/status/1770247815572173127)  2024-03-20T00:35Z [---] followers, [--] engagements


"@ICRB5 @waltywang @TRHLofficial Its *YOU* who doesnt know the 8th amendment. the Supreme Court has held the Eighth Amendments prohibition on excessive fines can apply in civil forfeiture proceedings noting that the text of the amendment is not limited to criminal cases"  
[X Link](https://x.com/HomeLoanBill/status/1770765465360421229)  2024-03-21T10:52Z [---] followers, [---] engagements


"If you have less money than Elon Musk and have a different opinion than Elon Muskyou are wrong. 🙄😂 By all means Your loss. (just see where Elon Musk is today and where you are today in comparison.) By all means Your loss. (just see where Elon Musk is today and where you are today in comparison.)"  
[X Link](https://x.com/HomeLoanBill/status/1770796367289414123)  2024-03-21T12:55Z [---] followers, [---] engagements


"@ClearedAsFiled @FiSurgi This doesnt help the situation because even if a lender does a soft pull they *must* do a hard pull before the application goes to underwriting (which triggers the calls)"  
[X Link](https://x.com/HomeLoanBill/status/1772525024152269256)  2024-03-26T07:24Z [---] followers, [---] engagements


"@gl_chandler @MarcusWatson31 @FiSurgi Why in the world would I put my clients (and their realtor) in a position where theyre making offers on homes without knowing for certain theyre preapproved"  
[X Link](https://x.com/HomeLoanBill/status/1772615032083300541)  2024-03-26T13:22Z [---] followers, [--] engagements


"@HoopMixOnly She couldnt compete in mens NCAA basketball let alone the NBA"  
[X Link](https://x.com/HomeLoanBill/status/1773548350140273032)  2024-03-29T03:10Z [---] followers, [--] engagements


"@Solwoldjr74 @angelalynn723 @LoganMohtashami There are so many people on this platform who try to make the equivalent of Frankensteins monster of a loan program by taking the most lenient portions of different programs and combining them. Ive seen well respected loan officers do the same thing with FHA loans"  
[X Link](https://x.com/HomeLoanBill/status/1775301554368544988)  2024-04-02T23:17Z [---] followers, [----] engagements


"@RJtheChief @CashJ This was a textbook offensive foul. You couldnt provide a better example of a moving screen than this. What youre arguing is the equivalent of saying if police ticket people who go 15mph over the speed limit they should ticket people who go 10mph over the speed limit"  
[X Link](https://x.com/HomeLoanBill/status/1776667680109432875)  2024-04-06T17:45Z [---] followers, [--] engagements


"@RJtheChief @PeterDjerf @CashJ The far more who havent spoken up about it tells me a lot more about your take than the few that have spoken up"  
[X Link](https://x.com/HomeLoanBill/status/1776744629041328567)  2024-04-06T22:51Z [---] followers, [--] engagements


"@RJtheChief @PeterDjerf @CashJ I trust facts. The facts say that was a moving screen. Cry more"  
[X Link](https://x.com/HomeLoanBill/status/1776777998592507914)  2024-04-07T01:04Z [---] followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing