I’m continuing to build out my Homebuyer Education content. This one is my 10-Step Process to Buying a Home. This has become way more time consuming than I thought it would be!!.

Don't mind me, I'm just over here keeping AI honest. LOL 😂

Blazing-fast image creation – using just your voice. Try Grok Imagine.

Is it just me? The more Saylor pumps and buys BTC, the more ponzi I feel it is.

I know I’m the king of overthinking things, but building out a website, with landing pages to form pages to thank you pages…is a lot of work. If this marketing plan is a bust, I’ll be deeply disappointed! My entire summer has been dedicated to building out this system…I’m.

My daughter drives like she dances. Rhythms a little off, a little jerky with all the movements…and I don’t know whether to laugh or cry when I see her doing it. But, we survived the two hour lesson today…

This was pretty cool to watch the transformation of this DIY project.

College lacrosse recruiting phone calls start for my daughter in just a few days. I’m both excited and terrified. We will either have tears of joy, sadness, or confusion. Either way, a lot of long-lasting life lessons will be learned. Please send good family therapist.

I last did this exercise with a new branch of loan officers back in 2015. It was wildly successful. I’m thinking of doing it again with our company. I’m curious if anyone has other ideas that I should consider that is similar to 4Dx.

At 12:01 AM, September 1st, Colleges are able to reach out to begin recruiting discussions with high school juniors for women’s lacrosse. Here is my oldest daughter’s best of 2025 video. Fingers crossed her dreams come true. One thing is for certain, lots of life lessons will be

Hilarious!.

I just took a denied pre-approval from another lender and got them under contract in about 45 minutes. The other loan officer just took the paystub and multiplied it by 2 for the monthly income. 80 Hours @ $3,751.76, so they used $7,503.52. Real calculation is $3,751.76 x 26.

Everyone has been talking about "Date the Rate". but, everyone should know that we are entering the stage where the rate being dated was the 2020-2021 rates in the 2s and 3s! I continue to have more and more buyers ready to move up and break up with their low-rate addiction.

I'm starting to think that Lisa Cook's owner occupancy fraud is actually worse than many understand. She closed one OO loan on June 18th. then, another halfway across the US on July 2nd. two weeks between each. I'm curious if the lenders were the same. I can't image it would,.

The last part of this article is why I believe consolidation in the industry will lead to higher and higher costs, despite what many say. Small, nimble, high touch, high service will continue to prevail. Great job, Khalil!.

Back-to-school is here…vacations are all pretty much over…and it’s been an active Real Estate weekend. Lower rates + Higher Stocks + Motivated Sellers = Action. A one of weekend or sign of things to come??.

When you ask Grok to draw a picture to illustrate “date the rate, marry the house?” 😂😂

I have a client who was dating the rate and then was transferred for work. That property is now a 93% LTV investment property. For low down payment loans, comparing FHA really isn’t a bad idea…especially for those who have jobs that make them a flight risk.

LLPAs: The Refinance Killer. My 780+ borrower (when they bought the house), saving nicely on a refinance, found out they are a 713 and their rate is .375% higher, putting us back in the ". wait for something a little better" camp. If we see an economic slowdown take shape,

Refinancing car loans…I’m seeing a good bit of this right now. Interesting strategy for homebuyers looking for some budget relief….