Morgan Hardy

Former nerd game slinger. Slinging mortgage loans in Tennessee and surrounding since 2019 and indignant anger since 2025.

NMLS 1906208

[Morgan Hardy @OrganizedPlay]

You say Americans need to stop hating one another. I agree.

But we're angry because we no longer believe the same rules apply to everyone.

You're the most famous recovering addict in America while avoiding consequences that millions less connected addicts couldn't.

Why should the addict in the Baltimore row home trust institutions after watching your story unfold?

[Morgan Hardy @OrganizedPlay]

@GazaSucks @dim0kq More clever than my idea too.

[Morgan Hardy @OrganizedPlay]

@willchamberlain You set a record today with your Tweet volume. Guess it was a bad day for Tammany Hall.

[Morgan Hardy @OrganizedPlay]

@RUSHMOREonX The swinginess of the rivalry keeps it from making even top 10 lists, but for the amount of mutual disrespect and loathing of the other fanbase, Alabama and Tennessee wins.

[Morgan Hardy @OrganizedPlay]

@kevinvdahlgren This is a Housing First story. Any thoughts on that?

[Morgan Hardy @OrganizedPlay]

@AstorAaron Dems media imaged by all major brands as ineffectual and incompetent by getting nothing. Could that persist to 2026 and depress turnout?

[Morgan Hardy @OrganizedPlay]

@SacAppraiser @ThinkAppraiser @mortgagetruth Contract concessions are easy to dig out of the comps, but this never appears in contract. There is no available record to consumer or appraiser of the cost for a builder inhouse lender to buy down to the 3's.

[Morgan Hardy @OrganizedPlay]

@jillayne @mortgagetruth The builders CAN sell their inventory. Whether or not they like the market price they get is a different question.

[Morgan Hardy @OrganizedPlay]

@BowTiedBroke I think there's a couple of years left before Sevier County is unwound. It took four years to find bottom in the GFC because home sellers are extremely reluctant to accept losses. There will eventually be buys that make sense, but we're not there yet.

[Morgan Hardy @OrganizedPlay]

Highlight from PCE: Personal savings rate is accelerating its drop. Services continues to outrun wage growth. With the exception of the tax refund month (April), it's basically a straight line down.

Very little power left to hike prices, which will pass into lower profits.

[Morgan Hardy @OrganizedPlay]

@luireigns I remember watching this in the moment and thinking it was actually an interesting match. I didn't think Goldberg looked lost or bad, and I didn't think Regal did anything out of his norm. I thought it was just part of Goldberg's rise to have to overcome a technical opponent.

[Morgan Hardy @OrganizedPlay]

@adcwaste Totally respect that - and terms for commercial lending are really rough right now. Just wanted to make sure you knew there's more out there for you :)

[Morgan Hardy @OrganizedPlay]

@mortgagetruth SPM has a great reputation in wholesale. I know Union Home has a channel, but I don't hear much about them.

[Morgan Hardy @OrganizedPlay]

I am not a conspiracy type of guy but there are things I want to wonder out loud:

* The shooter leaves a note, confesses to parents, agrees to be turned in... and then doesn't cooperate?

* Reported texts with mixed capitalization styles, rhythm changes, and no timestamps?

* A 70-year old guy who offers himself up as the shooter, then volunteers to the authorities that he has illegal underage photos on his phone before they even look?

If Stephen Miller wrote the script for what the perfect scenario for justifying extrajudicial action against the administration's opponents would look like, this is it.

But life rarely naturally looks like a script.

[Morgan Hardy @OrganizedPlay]

@willchamberlain Congratulations, you earned the only like I think you'll ever get from me in this lifetime.

It's unacceptable to give a social incentive for assassination.

[Morgan Hardy @OrganizedPlay]

@Solwoldjr74 @EstateBets1135 @JustinWolfers The standard conventional second home rider only binds you to two weeks occupancy in the first year's ownership.

[Morgan Hardy @OrganizedPlay]

@RepThomasMassie And conservatism is reliant on government force to maintain the power of the existing rulemaking class. All of our ancestors carved out our private property in blood, and all of us are ultimately reliant on violence or the threat thereof to defend it.

[Morgan Hardy @OrganizedPlay]

This is awesome John :) A note - rate sheets are 'lumpy' and when the dominant coupon shifts (like recently happened from MBS 5.5-->5), it can be a lot cheaper to acquire the bottom rate of the coupon. So there are certain points that a mini boom will unlock whenever there is a coupon shift, and we just hit one of those marks. It does require discount points to get that lowest rate in the coupon, but the recoupment of them is typically much stronger than the rates above it.

The MUCH bigger refi wave will be when we hit MND 5.8 or so.