[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @mortgagetruth Colin Robertson Colin Robertson posts on X about mortgage rate, rates, history, at a the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours. ### Engagements: XXXXXX [#](/creator/twitter::46993/interactions)  - X Week XXXXXX +147% - X Month XXXXXXX -XX% - X Months XXXXXXXXX +49% - X Year XXXXXXXXX +21% ### Mentions: XX [#](/creator/twitter::46993/posts_active)  - X Week XX +41% - X Month XXX +21% - X Months XXX +33% - X Year XXXXX +13% ### Followers: XXXXX [#](/creator/twitter::46993/followers)  - X Week XXXXX +0.24% - X Month XXXXX +2.10% - X Months XXXXX +16% - X Year XXXXX +46% ### CreatorRank: XXXXXXX [#](/creator/twitter::46993/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) XXXX% **Social topic influence** [mortgage rate](/topic/mortgage-rate) #7, [rates](/topic/rates) #281, [history](/topic/history) 2.5%, [at a](/topic/at-a) #1290, [fed cuts](/topic/fed-cuts) #20, [skin](/topic/skin) 1.25%, [housing market](/topic/housing-market) #60, [products](/topic/products) 1.25%, [builders](/topic/builders) 1.25%, [matter](/topic/matter) XXXX% **Top accounts mentioned or mentioned by** [@rogainetrader](/creator/undefined) [@mortconsumcoach](/creator/undefined) [@texasrunnerdfw](/creator/undefined) [@loganmohtashami](/creator/undefined) [@scottrayut](/creator/undefined) [@gaybearres](/creator/undefined) [@solwoldjr74](/creator/undefined) [@profstonge](/creator/undefined) [@rob66733000](/creator/undefined) [@homeloanbill](/creator/undefined) [@lenpenzo](/creator/undefined) [@sactogeoff](/creator/undefined) [@andybraun520](/creator/undefined) [@peterdjerf](/creator/undefined) [@johnwake](/creator/undefined) [@robertdobalina7](/creator/undefined) [@iamjonbrooks](/creator/undefined) [@bayarearematt](/creator/undefined) [@mapatriot1630](/creator/undefined) [@tawillionaire](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "@HomeLoanBill Just occurred to me as I was looking through some old posts. Notice how T B & P stopped obsessing over getting mortgage rates down" [X Link](https://x.com/mortgagetruth/status/1998190783359578541) 2025-12-09T00:39Z 7168 followers, XX engagements "@sliqqbill 4/5 last cuts mortgage rates went opposite the Fed. Do we even out some or go 5/6" [X Link](https://x.com/mortgagetruth/status/1998487891492966621) 2025-12-09T20:20Z 7186 followers, XXX engagements "Apparently "The Great American Mortgage Corporation" is the new collective name for Fannie and Freddie. And Bill Ackman thinks a combined company could lead to lower mortgage rates for consumers. All somehow expected to happen in three months" [X Link](https://x.com/mortgagetruth/status/1954613542642241689) 2025-08-10T18:39Z 7171 followers, 25.8K engagements "Not only could you go the NINJA route you could do it with a measly XXX FICO score. And you could take out an interest-only loan all with zero skin in the game. Wild Wild West" [X Link](https://x.com/mortgagetruth/status/1993720293215596778) 2025-11-26T16:35Z 7173 followers, XXX engagements "@Solwoldjr74 @RogaineTrader Btw that recession is another reason the housing market is healthier. We didn't force in millions of sales that shouldn't have happened these past few years. We did force many sales and bad refis in 2005-2007" [X Link](https://x.com/mortgagetruth/status/1998432170650824948) 2025-12-09T16:38Z 7171 followers, XX engagements "@conorsen Youth travel sports is a monster. Will be interesting how it operates in a real recession" [X Link](https://x.com/mortgagetruth/status/1996606507883073791) 2025-12-04T15:44Z 7175 followers, 5671 engagements "Something to think about now vs. then. If this was 2006 we would have already rolled out a 50-year mortgage and other wacky loan products to "fix" the housing problem. Instead thanks to ATR/QM and lessons learned we're just letting home prices ease/fall and relying on time" [X Link](https://x.com/mortgagetruth/status/1996959869426192641) 2025-12-05T15:08Z 7171 followers, 1810 engagements "This comforts me knowing we aren't trying to force home sales through as we did back then. The only real "forcing" I see is builders offering massive rate buydowns. But even those are 30-year fixed-rate loans set at below market rates of 3.99%. Far cry from the slop in 2006" [X Link](https://x.com/mortgagetruth/status/1996960819670618402) 2025-12-05T15:12Z 7173 followers, XXX engagements "The fact home sales hit a roadblock these past couple years when rates/prices spiked is a healthy sign we aren't repeating history. Had they kept chugging along we would have had a big problem" [X Link](https://x.com/mortgagetruth/status/1996962565499547908) 2025-12-05T15:19Z 7171 followers, XXX engagements "@JohnWake Why If they like their home and stay in their home what does their Zestimate matter" [X Link](https://x.com/mortgagetruth/status/1998060147697205406) 2025-12-08T16:00Z 7171 followers, XXX engagements "@levenson_david @jhoopstyscoop Im fine with it. I questioned why we didnt see more ARMs when the 30-year was XXX% to 8%. I have friends that took out ARMs at that time via CUs because it was way cheaper" [X Link](https://x.com/mortgagetruth/status/1998138409748255059) 2025-12-08T21:11Z 7171 followers, XXX engagements "@texasrunnerDFW Appreciate you saying that given your typical slant towards a more gloomy outlook. Of course the best in four years isnt saying a whole lot either. 🤔" [X Link](https://x.com/mortgagetruth/status/1996328957642481716) 2025-12-03T21:21Z 7175 followers, 2584 engagements "@tawillionaire True. But just shows how concentrated housing wealth is in this country" [X Link](https://x.com/mortgagetruth/status/1996243217130672639) 2025-12-03T15:40Z 7177 followers, XXX engagements "@MortConsumCoach I don't really think so. Loan limits are increased after the fact. The one argument you can make is they can't go down which seems kind of one-sided" [X Link](https://x.com/mortgagetruth/status/1996299288964640799) 2025-12-03T19:23Z 7179 followers, XX engagements "A mortgage rate of X% vs. XXXX% probably does little to move the needle for a prospective home buyer. But the number of homeowners in the money to refinance jumps XX% between a rate of XXX% and 6.3%" [X Link](https://x.com/mortgagetruth/status/1998063080157356257) 2025-12-08T16:12Z 7184 followers, 17.1K engagements "ICE Mortgage Technology also noted that refi retention hit a 3.5-year high (28%) in the third quarter with loan servicers retaining more than half of the borrowers refinancing out of XX vintage loans. And nonbank servicers are retaining homeowners at 3X the rate of banks" [X Link](https://x.com/mortgagetruth/status/1998063620350181571) 2025-12-08T16:14Z 7185 followers, XXX engagements "Rate and term refis accounted for XX% of all refinance activity in October the highest share in nearly five years. Some XX% of September/October r/t refis involved 2023-2025-era loans. On average they reduced their mortgage rate by XXXX% yielding monthly savings of $200" [X Link](https://x.com/mortgagetruth/status/1998068810486821273) 2025-12-08T16:35Z 7184 followers, XXX engagements "@levenson_david @jhoopstyscoop Your average home buyer isnt gonna go with an arm even if its cheaper. Theres been cheaper arms for years. Another issue is non-banks have horrible arm pricing so your best bet is a credit union for an arm" [X Link](https://x.com/mortgagetruth/status/1998130924261871943) 2025-12-08T20:41Z 7184 followers, XX engagements "@M_McDonough Seems to be coming down and even better once you factor inflation" [X Link](https://x.com/mortgagetruth/status/1998135501367488913) 2025-12-08T21:00Z 7184 followers, XX engagements "I feel like it was forever ago that people were talking about firing Jerome Powell. Just got nostalgic about it" [X Link](https://x.com/mortgagetruth/status/1998177479631261748) 2025-12-08T23:46Z 7186 followers, XXX engagements "A neighbor just delisted their property. Was first listed in mid-May and price was dropped twice before it was removed from the MLS in September. Then relisted that same day at a new lower price presumably to game the system (fresh listing) cut again in October and finally taken off market. What's interesting though is they bought in 2017 for much less and likely have a tiny outstanding loan amount and super low mortgage rate and could care less" [X Link](https://x.com/mortgagetruth/status/1998406612151930971) 2025-12-09T14:57Z 7186 followers, 21.8K engagements "@onechancefreedm This is why lower rates mostly benefit existing homeowners and not necessarily new home buyers. If even lower rates are accompanied by more stress in the labor market it won't do any good. These folks won't be able to buy nor feel comfortable to buy if the jobs aren't there" [X Link](https://x.com/mortgagetruth/status/1998424086423437574) 2025-12-09T16:06Z 7183 followers, XXX engagements "@JPBKUSA @texasrunnerDFW It already has gotten better. It might be a grind though. remember X% mortgage rates at higher asking prices in 2023 Today it's high-5 rates and lower prices. That's progress even if it's still expensive" [X Link](https://x.com/mortgagetruth/status/1998428177946042638) 2025-12-09T16:23Z 7179 followers, XX engagements "I have a weird feeling the Fed will cut tomorrow and mortgage rates will actually go down which hasn't happened lately. Why Because everyone is now so sure that when the Fed cuts mortgage rates go up" [X Link](https://x.com/mortgagetruth/status/1998447693673496981) 2025-12-09T17:40Z 7185 followers, 6611 engagements "@LenPenzo Except theres no long-term correlation between interest rates and home prices. For example prices and rates could rise together in tandem just like they can fall together if the economy slows" [X Link](https://x.com/mortgagetruth/status/1998492932526191095) 2025-12-09T20:40Z 7179 followers, XX engagements "Regarding Fannie/Freddie removing their credit score minimums. A reader told me he just approved a rate and term refi w/ a XXX FICO score At first I was appalled then thought at least they're lowering their payment and reducing risk. It's actually a good use case" [X Link](https://x.com/mortgagetruth/status/1998771168132907027) 2025-12-10T15:05Z 7186 followers, 5393 engagements "@NAR_Research X% mortgage rates all year would solve the mortgage rate problem" [X Link](https://x.com/mortgagetruth/status/1998783949200593330) 2025-12-10T15:56Z 7185 followers, XX engagements "@MortConsumCoach Not sure. You think they would given the LTV and loan purpose" [X Link](https://x.com/mortgagetruth/status/1998789309328142366) 2025-12-10T16:18Z 7179 followers, XX engagements "@SacAppraiser Even with the faster repayment due to what is probably a record low mortgage rate. Wild" [X Link](https://x.com/mortgagetruth/status/1998806469882556539) 2025-12-10T17:26Z 7185 followers, XXX engagements "@texasrunnerDFW I think he's saying it ain't the rates" [X Link](https://x.com/mortgagetruth/status/1998859294650020299) 2025-12-10T20:56Z 7186 followers, 1070 engagements "@RogaineTrader @Solwoldjr74 The Fed watching is just related to mortgage rates. And I noticed lately there's been a lot less watching. Seems rates in high 5s is enough to not care much anymore" [X Link](https://x.com/mortgagetruth/status/1998425780809036193) 2025-12-09T16:13Z 7184 followers, XX engagements "@RogaineTrader @Solwoldjr74 I think it was mostly due to an unprecedented rise in rates never seen before in history. Never did mortgage rates nearly triple in less than two years. The percentage rise is unrivaled" [X Link](https://x.com/mortgagetruth/status/1998429407455904022) 2025-12-09T16:27Z 7184 followers, XX engagements "@JLSteffaniak 4/5 the last Fed cuts mortgage rates went up. Law of averages" [X Link](https://x.com/mortgagetruth/status/1998453172453745099) 2025-12-09T18:02Z 7184 followers, XXX engagements "@ParmHomeLoans Im more concerned with the jobs report. Not expecting any grand movement tomorrow. Just the thought mortgage rates might not defy the Fed on the day as they have been recently" [X Link](https://x.com/mortgagetruth/status/1998492611074761100) 2025-12-09T20:39Z 7185 followers, XXX engagements "@ThinkAppraiser We are getting a XX bp cut. I see a little relief rally for mortgage rates after rising for the past couple weeks. Nothing major and nothing really because of the Fed though. Opposite of the more recent sell the news reaction" [X Link](https://x.com/mortgagetruth/status/1998580361106973134) 2025-12-10T02:27Z 7186 followers, XXX engagements "@SactoGeoff Well at XX% LTV the hit for credit score is lower than a XXX FICO at XX% LTV" [X Link](https://x.com/mortgagetruth/status/1998784319150838248) 2025-12-10T15:58Z 7184 followers, XX engagements "@MortConsumCoach I assume they don't have funds/home value to bring down to 60%. But yes that would get credit score pricing hit to just .375%. Wild" [X Link](https://x.com/mortgagetruth/status/1998790369421758882) 2025-12-10T16:22Z 7184 followers, XX engagements "@GayBearRes Alternative would likely be a loan modification if you want to talk about can kicking. At XX% LTV plenty of equity to sell. Apparently they want to keep" [X Link](https://x.com/mortgagetruth/status/1998791891878576485) 2025-12-10T16:28Z 7184 followers, XX engagements "@GayBearRes With XX% equity I don't know. High LTV concerns me a lot more as terrible as their credit score is. Hence the approval" [X Link](https://x.com/mortgagetruth/status/1998792903926362228) 2025-12-10T16:32Z 7184 followers, XX engagements "@AndyBraun520 Appreciate the info. If it's O/O SFR R/T conforming what other hits are there aside from credit score which isn't even that bad at a really low LTV" [X Link](https://x.com/mortgagetruth/status/1998793267203510593) 2025-12-10T16:33Z 7185 followers, XX engagements "@AndyBraun520 Yeah that's why after I got over the shock of that XXX FICO score I looked at LLPAs and was like oh this isn't as crazy as it looks. And actually a good use case for doing away with credit score minimums so long as F/F are cool with it" [X Link](https://x.com/mortgagetruth/status/1998794816713535548) 2025-12-10T16:39Z 7184 followers, XX engagements "@HomeLoanBill @GayBearRes We are in uncharted territory" [X Link](https://x.com/mortgagetruth/status/1998822412088139888) 2025-12-10T18:29Z 7186 followers, XX engagements "@TBitTwo @SactoGeoff There you go. That's a big improvement. Honestly it's logical to me once you get over the credit score shock. Is there a co-borrower or no" [X Link](https://x.com/mortgagetruth/status/1998823982125154517) 2025-12-10T18:35Z 7184 followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@mortgagetruth Colin Robertson
Colin Robertson posts on X about mortgage rate, rates, history, at a the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.
Engagements: XXXXXX #
- X Week XXXXXX +147%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +49%
- X Year XXXXXXXXX +21%
Mentions: XX #
- X Week XX +41%
- X Month XXX +21%
- X Months XXX +33%
- X Year XXXXX +13%
Followers: XXXXX #
- X Week XXXXX +0.24%
- X Month XXXXX +2.10%
- X Months XXXXX +16%
- X Year XXXXX +46%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance XXXX%
Social topic influence mortgage rate #7, rates #281, history 2.5%, at a #1290, fed cuts #20, skin 1.25%, housing market #60, products 1.25%, builders 1.25%, matter XXXX%
Top accounts mentioned or mentioned by @rogainetrader @mortconsumcoach @texasrunnerdfw @loganmohtashami @scottrayut @gaybearres @solwoldjr74 @profstonge @rob66733000 @homeloanbill @lenpenzo @sactogeoff @andybraun520 @peterdjerf @johnwake @robertdobalina7 @iamjonbrooks @bayarearematt @mapatriot1630 @tawillionaire
Top Social Posts
Top posts by engagements in the last XX hours
"@HomeLoanBill Just occurred to me as I was looking through some old posts. Notice how T B & P stopped obsessing over getting mortgage rates down"
X Link 2025-12-09T00:39Z 7168 followers, XX engagements
"@sliqqbill 4/5 last cuts mortgage rates went opposite the Fed. Do we even out some or go 5/6"
X Link 2025-12-09T20:20Z 7186 followers, XXX engagements
"Apparently "The Great American Mortgage Corporation" is the new collective name for Fannie and Freddie. And Bill Ackman thinks a combined company could lead to lower mortgage rates for consumers. All somehow expected to happen in three months"
X Link 2025-08-10T18:39Z 7171 followers, 25.8K engagements
"Not only could you go the NINJA route you could do it with a measly XXX FICO score. And you could take out an interest-only loan all with zero skin in the game. Wild Wild West"
X Link 2025-11-26T16:35Z 7173 followers, XXX engagements
"@Solwoldjr74 @RogaineTrader Btw that recession is another reason the housing market is healthier. We didn't force in millions of sales that shouldn't have happened these past few years. We did force many sales and bad refis in 2005-2007"
X Link 2025-12-09T16:38Z 7171 followers, XX engagements
"@conorsen Youth travel sports is a monster. Will be interesting how it operates in a real recession"
X Link 2025-12-04T15:44Z 7175 followers, 5671 engagements
"Something to think about now vs. then. If this was 2006 we would have already rolled out a 50-year mortgage and other wacky loan products to "fix" the housing problem. Instead thanks to ATR/QM and lessons learned we're just letting home prices ease/fall and relying on time"
X Link 2025-12-05T15:08Z 7171 followers, 1810 engagements
"This comforts me knowing we aren't trying to force home sales through as we did back then. The only real "forcing" I see is builders offering massive rate buydowns. But even those are 30-year fixed-rate loans set at below market rates of 3.99%. Far cry from the slop in 2006"
X Link 2025-12-05T15:12Z 7173 followers, XXX engagements
"The fact home sales hit a roadblock these past couple years when rates/prices spiked is a healthy sign we aren't repeating history. Had they kept chugging along we would have had a big problem"
X Link 2025-12-05T15:19Z 7171 followers, XXX engagements
"@JohnWake Why If they like their home and stay in their home what does their Zestimate matter"
X Link 2025-12-08T16:00Z 7171 followers, XXX engagements
"@levenson_david @jhoopstyscoop Im fine with it. I questioned why we didnt see more ARMs when the 30-year was XXX% to 8%. I have friends that took out ARMs at that time via CUs because it was way cheaper"
X Link 2025-12-08T21:11Z 7171 followers, XXX engagements
"@texasrunnerDFW Appreciate you saying that given your typical slant towards a more gloomy outlook. Of course the best in four years isnt saying a whole lot either. 🤔"
X Link 2025-12-03T21:21Z 7175 followers, 2584 engagements
"@tawillionaire True. But just shows how concentrated housing wealth is in this country"
X Link 2025-12-03T15:40Z 7177 followers, XXX engagements
"@MortConsumCoach I don't really think so. Loan limits are increased after the fact. The one argument you can make is they can't go down which seems kind of one-sided"
X Link 2025-12-03T19:23Z 7179 followers, XX engagements
"A mortgage rate of X% vs. XXXX% probably does little to move the needle for a prospective home buyer. But the number of homeowners in the money to refinance jumps XX% between a rate of XXX% and 6.3%"
X Link 2025-12-08T16:12Z 7184 followers, 17.1K engagements
"ICE Mortgage Technology also noted that refi retention hit a 3.5-year high (28%) in the third quarter with loan servicers retaining more than half of the borrowers refinancing out of XX vintage loans. And nonbank servicers are retaining homeowners at 3X the rate of banks"
X Link 2025-12-08T16:14Z 7185 followers, XXX engagements
"Rate and term refis accounted for XX% of all refinance activity in October the highest share in nearly five years. Some XX% of September/October r/t refis involved 2023-2025-era loans. On average they reduced their mortgage rate by XXXX% yielding monthly savings of $200"
X Link 2025-12-08T16:35Z 7184 followers, XXX engagements
"@levenson_david @jhoopstyscoop Your average home buyer isnt gonna go with an arm even if its cheaper. Theres been cheaper arms for years. Another issue is non-banks have horrible arm pricing so your best bet is a credit union for an arm"
X Link 2025-12-08T20:41Z 7184 followers, XX engagements
"@M_McDonough Seems to be coming down and even better once you factor inflation"
X Link 2025-12-08T21:00Z 7184 followers, XX engagements
"I feel like it was forever ago that people were talking about firing Jerome Powell. Just got nostalgic about it"
X Link 2025-12-08T23:46Z 7186 followers, XXX engagements
"A neighbor just delisted their property. Was first listed in mid-May and price was dropped twice before it was removed from the MLS in September. Then relisted that same day at a new lower price presumably to game the system (fresh listing) cut again in October and finally taken off market. What's interesting though is they bought in 2017 for much less and likely have a tiny outstanding loan amount and super low mortgage rate and could care less"
X Link 2025-12-09T14:57Z 7186 followers, 21.8K engagements
"@onechancefreedm This is why lower rates mostly benefit existing homeowners and not necessarily new home buyers. If even lower rates are accompanied by more stress in the labor market it won't do any good. These folks won't be able to buy nor feel comfortable to buy if the jobs aren't there"
X Link 2025-12-09T16:06Z 7183 followers, XXX engagements
"@JPBKUSA @texasrunnerDFW It already has gotten better. It might be a grind though. remember X% mortgage rates at higher asking prices in 2023 Today it's high-5 rates and lower prices. That's progress even if it's still expensive"
X Link 2025-12-09T16:23Z 7179 followers, XX engagements
"I have a weird feeling the Fed will cut tomorrow and mortgage rates will actually go down which hasn't happened lately. Why Because everyone is now so sure that when the Fed cuts mortgage rates go up"
X Link 2025-12-09T17:40Z 7185 followers, 6611 engagements
"@LenPenzo Except theres no long-term correlation between interest rates and home prices. For example prices and rates could rise together in tandem just like they can fall together if the economy slows"
X Link 2025-12-09T20:40Z 7179 followers, XX engagements
"Regarding Fannie/Freddie removing their credit score minimums. A reader told me he just approved a rate and term refi w/ a XXX FICO score At first I was appalled then thought at least they're lowering their payment and reducing risk. It's actually a good use case"
X Link 2025-12-10T15:05Z 7186 followers, 5393 engagements
"@NAR_Research X% mortgage rates all year would solve the mortgage rate problem"
X Link 2025-12-10T15:56Z 7185 followers, XX engagements
"@MortConsumCoach Not sure. You think they would given the LTV and loan purpose"
X Link 2025-12-10T16:18Z 7179 followers, XX engagements
"@SacAppraiser Even with the faster repayment due to what is probably a record low mortgage rate. Wild"
X Link 2025-12-10T17:26Z 7185 followers, XXX engagements
"@texasrunnerDFW I think he's saying it ain't the rates"
X Link 2025-12-10T20:56Z 7186 followers, 1070 engagements
"@RogaineTrader @Solwoldjr74 The Fed watching is just related to mortgage rates. And I noticed lately there's been a lot less watching. Seems rates in high 5s is enough to not care much anymore"
X Link 2025-12-09T16:13Z 7184 followers, XX engagements
"@RogaineTrader @Solwoldjr74 I think it was mostly due to an unprecedented rise in rates never seen before in history. Never did mortgage rates nearly triple in less than two years. The percentage rise is unrivaled"
X Link 2025-12-09T16:27Z 7184 followers, XX engagements
"@JLSteffaniak 4/5 the last Fed cuts mortgage rates went up. Law of averages"
X Link 2025-12-09T18:02Z 7184 followers, XXX engagements
"@ParmHomeLoans Im more concerned with the jobs report. Not expecting any grand movement tomorrow. Just the thought mortgage rates might not defy the Fed on the day as they have been recently"
X Link 2025-12-09T20:39Z 7185 followers, XXX engagements
"@ThinkAppraiser We are getting a XX bp cut. I see a little relief rally for mortgage rates after rising for the past couple weeks. Nothing major and nothing really because of the Fed though. Opposite of the more recent sell the news reaction"
X Link 2025-12-10T02:27Z 7186 followers, XXX engagements
"@SactoGeoff Well at XX% LTV the hit for credit score is lower than a XXX FICO at XX% LTV"
X Link 2025-12-10T15:58Z 7184 followers, XX engagements
"@MortConsumCoach I assume they don't have funds/home value to bring down to 60%. But yes that would get credit score pricing hit to just .375%. Wild"
X Link 2025-12-10T16:22Z 7184 followers, XX engagements
"@GayBearRes Alternative would likely be a loan modification if you want to talk about can kicking. At XX% LTV plenty of equity to sell. Apparently they want to keep"
X Link 2025-12-10T16:28Z 7184 followers, XX engagements
"@GayBearRes With XX% equity I don't know. High LTV concerns me a lot more as terrible as their credit score is. Hence the approval"
X Link 2025-12-10T16:32Z 7184 followers, XX engagements
"@AndyBraun520 Appreciate the info. If it's O/O SFR R/T conforming what other hits are there aside from credit score which isn't even that bad at a really low LTV"
X Link 2025-12-10T16:33Z 7185 followers, XX engagements
"@AndyBraun520 Yeah that's why after I got over the shock of that XXX FICO score I looked at LLPAs and was like oh this isn't as crazy as it looks. And actually a good use case for doing away with credit score minimums so long as F/F are cool with it"
X Link 2025-12-10T16:39Z 7184 followers, XX engagements
"@HomeLoanBill @GayBearRes We are in uncharted territory"
X Link 2025-12-10T18:29Z 7186 followers, XX engagements
"@TBitTwo @SactoGeoff There you go. That's a big improvement. Honestly it's logical to me once you get over the credit score shock. Is there a co-borrower or no"
X Link 2025-12-10T18:35Z 7184 followers, XX engagements