1/ The mortgage market isn’t what you think. The biggest risk lenders face isn’t borrower default. It’s interest rate risk—a force so powerful it can destroy profits overnight. Let’s break it down. 🧵👇. #RealEstate #Finance #MortgageMarkets.

I have the Life Calendar by @waitbutwhy framed in my office. Its a grid of the average life span-89 years x 52 weeks. Each week I've lived is checked off. Its a humbling visual reminder that our time is limited.

RT @RyanHoliday: To procrastinate is to be entitled. It is arrogant. It assumes there will be a later. It assumes you’ll have the disciplin….

RT @RobertGreene: Always stick to what makes you weird, odd, strange, different. That’s your source of power.

7/ The biggest opportunities in real estate lie in the gap between perception & reality. The mortgage system is complex, but understanding it can save (or make) you millions. 📖 Full breakdown here: #Finance #MortgageMarkets #RealEstate #Investing.

6/ So, how should borrowers and realtors think about mortgages?. Forget just looking at payments & rates. Instead, focus on:.1️⃣ The true cost of funds (interest, not payments).2️⃣ The time value of money.3️⃣ How long you’ll actually keep the loan.4️⃣ Opportunity cost of waiting.

5/ APR (Annual Percentage Rate) is supposed to help borrowers compare loans. But it’s deeply flawed because it assumes:.❌ You’ll hold your loan for its full term.❌ Inflation is zero (LOL).❌ No adjustments to rates over time.It’s time for a better way to evaluate mortgages.

4/ The Federal Reserve thinks lowering rates helps borrowers. But in reality? It can cause chaos. During COVID-19, the Fed’s aggressive MBS purchases:.❌ Created massive hedging losses.❌ Disrupted normal market functions.Unintended consequences at their finest.

3/ Here’s where it gets wild:. When a lender locks in your mortgage rate, they’re making a market bet. If interest rates drop, they lose money. If rates rise, they win. A 200-basis-point move can mean a $2M loss per $100M in loans. 💸.

2/ When you take out a mortgage, your lender isn’t holding your loan forever. Instead, your mortgage is part of a massive risk transfer system that looks like this:. 📌 Originator ➡️ Servicer ➡️ Aggregator ➡️ MBS Investor . Every step is designed to offload risk.

RT @naval: Outgrow bosses, landlords, and roommates.

You don’t want to be rich, you want to be wealthy. Yet, keyword trends show “rich” 20x - 60x more often searched than “wealthy”. The rich trade time for money. The wealthy make money in their sleep.

RT @willahmed: Success is being excited to go to work and being excited to come home.

Before giving advice, ChatGPT first validates your question. Built by some of the smartest minds. Maybe they’re onto something? . Validate first, advise later.

5.0 star review received on for Drew Frampton by LiLinda C S - Tight timelines - multiple 1031 purchases in under 30 days - not to worry they will .

5.0 star review received on for Drew Frampton by James L S - Drew was always available and professional in all discussions and Ryan was amazing with her follow t.

Is it even reading if you don't have a pen in hand?.

How to lower your self confidence. Don’t do what you tell yourself you’re gonna do.

The general feeling is things should be fair. But what exactly does that mean? . We can use this thought experiment to test outcomes of different rules and structures to come up with something that’s “most fair.”.

Use this thought experiment when structuring your business, building out a team, setting up spousal responsibilities or anything that deals with more than just you.