2006 Time POY. #Mortgage pro. CPT. Athlete-ish . #RealEstate. Investor. Just trying to be better than yesterday. ✝️🏂🏃‍♂️🏒👨‍🌾🥾💵📚🎶Opinions = mine.

California, USA
Joined January 2026
I help people buy homes, help Realtors save time & money, help home owners achieve financial security, and help loan officers make money. Top 5% loan officer nationwide. Subpar athlete. Sandwich enthusiast.📍California Finance tips. Hot housing takes. Memes.
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This is such a weird phenomenon to me. At 6 years old, I was a prototype latch key kid. Had my own key to the house, got myself to/from school, made myself food, went out and played with friends til dinner. Parents are so scared today, and today is safer than ever.
84% of 11-year-olds aren't allowed to leave their street. 53% can't leave their front yard. 92% of 14-year-olds can't leave their neighborhood. We built a culture obsessed with safety. The result? A generation that's measurably more anxious: substack.com/home/post/p-197…
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Negative sentiment across the board from home builders. This important to track because sad builders don't build. A lack of inventory keeps #realestate values high. #Mortgage rates coming down would help - changes to builder pre-build costs would help more. Vote accordingly.
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You👏dont👏need👏a👏$700👏car👏payment👏 Unless you're SO worried about impressing strangers that don't matter - within 100 miles of me there are nearly 2000 sub-$20k cars with sub-100k miles for sale. And I live in an expensive market.
BREAKING: America’s $1.7 trillion auto loan market is headed for a crash, per Reuters. Auto loans are now one of the biggest sources of household debt, bigger than credit cards. And the strain is showing: 1 in 5 Americans is behind on at least one loan, the highest since 2010, and the average car on the road is now nearly 13 years old, a record.
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This sounds REALLY scary. Until I tell you that in August 2008, California alone had 101,724 foreclosure filings. In 2019 (the last pre-covid year with a "normal" housing market), monthly foreclosures averaged over 40,000. About 50k/month is considered a "normal" market.
BREAKING: Banks are taking back more homes. Lenders repossessed 5,794 homes in August, up 42% from a year ago and 22% from July, per ATTOM. That’s far faster than the 13% rise in overall foreclosure filings, meaning more distressed homeowners are reaching the end of the process.
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How fortunate are the @Eagles and their fans? Not often QB2 comes in and your offense looks exactly the same as when QB1 is under center. So far Tanner looks to have an incredible grasp of the 3-and-out offense the birds have put together this season. #GoBirds
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Not sure what I'm doing, but sharing from a company sponsored platform called EveryoneSocial ... so who knows where this link goes (it's supposed to be market commentary) but I'm about to find out (have I mentioned I'm transparent?) Let's FAFO! bit.ly/4BtOnrh
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Lame...I wrote a LinkedIn commentary, thought it would go there. Instead you'll get @mortgagenewsmnd and you'll like it.
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BuT duH tAxEs mAkE dA sKoolZ gUd 🤤 Any truth to this, @DallasStars ??
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I highlighted all the ones that are related to Corruption in Government
But I was reliably told by an organized op of neocon influencers, that the war in Iran wasn’t even on the radar of the American public.
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Fun fact no one talks about in the rent V buy debate. Just 2% appreciation on a $450k home and the interest & real estate tax deductions equal or exceed the monthly price difference. When the appreciation compounds and rate dip, owners win. Every time. xitter.cf/i/trending/21108400658…

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Facts. But why take 5g in an affordable powder scoops when you could pay triple and eat 5 gummies to get 3g instead? Cheap, proven - monohydrate powder is something the majority of people prioritizing health should be using.
Creatine is one of the most extensively researched supplements in the world, and the overwhelming majority of this research uses creatine monohydrate. There’s no shortage of people trying to advertise their own special types of creatine, like creatine HCl, creatine ethyl ester, and buffered creatine. It’s pure marketing. The reality is that every benefit we attribute to creatine supplementation has come from studies using monohydrate, and no other form has been shown to be superior to the tried and true. They don’t have better absorption, greater effectiveness, or fewer side effects (PMID: 35268011). Even if they did, creatine monohydrate is already absorbed extremely well, and most of its benefits come from saturating creatine stores in tissues that need it. There simply isn’t much room for improvement. So my recommendation is simple: Take 3–5 grams of creatine monohydrate daily. You don't need an expensive formula or a loading phase. I also prefer my creatine to be micronized, which is a process that makes the creatine particles smaller so they mix more easily in water. And if you have any GI problems, try using smaller doses across the day (PMID: 18373286). Fundamentals, people. Oftentimes, the simplest option really is the best one, and decades of research with creatine are a perfect example.
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Love Elon? Hate Elon? Doesn’t matter. You can’t argue that this wasn’t pretty cool. Not cool enough for me to want a Tesla. But cool nonetheless.
Tesla unveiled a redesigned Roadster equipped with thrusters, developed in collaboration with CEO Elon Musk's rocket company SpaceX, showing it driving upside down on a ramp using a suction system and turning in the air and landing using in-built thrusters.
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Few things make financial success easier than good credit. You save a lot, on everything, and have so many options available to you, when you manage your credit well. The opposite is also true.
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Despite media noise around rising inventory, this accurately reflects the reality of the current US #RealEstate and #Mortgage market STILL a good (great?) time to buy for many people.
Let me help some of you guys out.... 1. 40% of homes are owned free and clear (no mortgage). Not distressed sellers so can be patient, wait around, hold firm on price, etc 2. Average homeowner who has a mortgage has 55% equity. Again, not distressed or forced to sell 3. You need to zoom WAY OUT to better understand inventory Example #1 New Listings for sale this week: 64,00 Same week in 2009: 280,000 Same week in 2010: 380,000 Same week in 2011: 349,000 Example #2 Currently there's 1.6M of active inventory on the market. In a normal market, there's 2.0M - 2.5M of active inventory on the market In the last RE crash, guess how much inventory was active on the market? 4.0M We got a LOT of inventory that would have to come online (assuming demand doesn't increase significantly) before you'll see major drops That is all
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Both CPI & PPI came in much higher than expected this week. Coming off an ugly jobs report, the #Fed has their work cut out for them. Thankfully, tough, #mortgage rates are improving due to concerns in AI world.
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There's an #ALCS game happening at 1030am Pacific time on a Thursday. @MLB is not a serious league. COPS reruns have a better time slot than a championship game. Ridiculous.
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Mortgage backed securities rally from being down big early on inflation news. BACK INTO THE GREEN FROM DEEP IN THE RED! Further extending this weeks rally to lower rates. Let's hope the trend continues. #mortgage #realestate
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Does the #Fed still believe inflation is transitory? Jobs market? Not good. Inflation? Too high. Performing assets? Seeming to be at a ceiling. AI? Looking more and more bubbly. Is our economy cooked? Let's see how the Fed manages the storm.
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I am so, so, so happy to own primarily dumb devices. Dumb devices, FTW!
BREAKING: Anthropic has said that rogue AI agents may "self-replicate" to hijack smart devices such as ovens and TVs
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If your loan officers is not: - explaining how real estate taxes work AND - giving you numbers based on what the taxes WILL BE (not what they are today) Find a new LO. Many states tax sales price - when I bought my home, my taxes went up $5K the day I bought.
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