shashanktweets

Founder/CEO - InstaMortgage | Creator of InstaRefi | Bylines at @Inc, @HousingWire, @forbes, @entrepreneur | NMLS 8176

[shashanktweets @ShashankTweets]

🏠 Congress just passed the most significant federal housing bill in a generation — 90-8 in the Senate, 390-9 in the House.

What it means:
✅ Higher FHA multifamily loan limits
✅ Affordable housing investment cap raised 15% → 20%
✅ Permitting reform to accelerate supply
✅ Institutional investor limits in key markets
✅ Renters get the right of first refusal to BUY their home

⚠️ Temper expectations — this is a long game. Supply provisions take years to translate into actual inventory.

Biggest winners long-term? Atlanta, Charlotte & Jacksonville markets — where the institutional investor concentration is the highest.

#HousingBill #RealEstate #Mortgage #HousingMarket #AffordableHousing #HomeBuyers

[shashanktweets @ShashankTweets]

A really encouraging mortgage rate story isn’t getting enough attention 👇

In 2024, the 10-yr Treasury fell to 3.62%… yet mortgage rates never meaningfully broke 6%.

Today, the 10-year is ~4.0% (≈40 bps higher), and mortgage rates just moved below 6% (to the lowest levels in 3 years).

That shouldn’t happen — unless you understand spreads.

Mortgage rates ≠ the 10-yr.
They’re the 10-yr plus the mortgage spread (risk, volatility, liquidity, hedging costs, MBS demand, lender balance-sheet capacity).

In 2024, spreads were abnormally wide. Even when yields improved, borrowers didn’t feel it because the market was still pricing uncertainty.

Now:

Volatility is lower.
MBS demand is better.
Spreads are normalizing

👉Key takeaway:
We no longer need the 10-yr to crash for mortgage rates to improve.

If the 10-yr merely returns to 2024 levels with today’s spreads, mortgage rates could fall another ~40 bps.

#MortgageRates #HousingMarket #MBS #RealEstate #Economy

[shashanktweets @ShashankTweets]

The idea?
Using 401(k) funds for down payments 💰🏡

That’s a bigger lever than most realize.

A 3–5% down payment on a ~$425K home is $13K–$21K.

Average 401(k) balances today: Ages 25–34: ~$32K

If penalty-free access becomes reality — not loans, actual withdrawals — a lot of “I’m 2–3 years away” buyers suddenly aren’t. ⚡

Now add rates drifting into the mid-to-high 5s 📉
Psychology shifts fast. And psychology moves markets.

Nuance matters, though. 🧠
You’re trading compounding returns for home equity.
Not always bad. Not always smart. Very case-by-case.

For a mid-30s renter pulling ~$15K to stop paying $2,200/month in rent?

That math can make sense and one that could quietly unlock a new wave of first time home buyers.

#HousingMarket #MortgageRates #FirstTimeHomebuyer #RealEstate #401k #PersonalFinance

[shashanktweets @ShashankTweets]

The “mortgage rate lock” narrative is starting to break.

In 2022, ultra-low rates kept homeowners frozen. That story made sense then. It doesn’t anymore.

Today, more homeowners have #mortgagerates above 6% than below 3%. Higher rates are no longer the exception — they’re the norm. And when higher rates become normal, behavior changes.

People move for life. Jobs. Families. Equity. Opportunity. Not just rates.

The market isn’t locked. It’s adapting. And the data proves it.

[shashanktweets @ShashankTweets]

Trump: $200B MBS buys to cut rates.

Theory? Solid.
QE proved it works.

Reality? More complicated.

Do Fannie & Freddie even have $200B?
Their combined net worth is ~$140B.

Will It Actually Move Rates?
$200B in a $9T market ≠ game changer.

Remember - The Fed held $2.7 trillion at peak.

Big headline.
Modest impact IMO.

[shashanktweets @ShashankTweets]

As you write your #newyear2024 resolutions, goals, and strategies, remember...

[shashanktweets @ShashankTweets]

AI is ready to fuel a new era of marketing capabilities. Read the full @McKinsey article - https://t.co/JveBQi1Fyn

[shashanktweets @ShashankTweets]

Excited to be featured in this @ForbesFinanceCl on @Forbes.

"Embrace resilience in your entrepreneurial journey. It's crucial to remain resilient in the face of setbacks and be willing to pivot when necessary. Challenges and setbacks are inevitable, but your ability to persist and adapt in the face of adversity will be a key determinant of your success. View failures as opportunities to learn and grow—ensuring your business evolves and thrives."

[Forbes Finance Council @ForbesFinanceCl]

17 Tips To Help Financial Business Leaders Grow And Succeed https://t.co/n1UjAZK9RH from @REDFworks @linqtoinc @_seanfrank @foguthfinancial @JamieEllisCOO @SlipkaBrian @floqast @ShashankTweets and more

[LangChain @LangChain]

See how InstaMorgage is using LangChain 🦜🔗 and LangSmith🦜🛠️ to build a premium product for their customers. MortgageAI, ContentAI, and PolicyAI take the tedium out the mortgage loan process.

💫 Speed to resolution has increased by an average of 67%, and error rates have significantly decreased.

Read more on the blog
https://t.co/9L2vzjkgM0

[shashanktweets @ShashankTweets]

@langchain Thank you for featuring our AI story.

[shashanktweets @ShashankTweets]

@ForbesFinanceCl @REDFworks @linqtoinc @_SeanFrank @FoguthFinancial @JamieEllisCOO @SlipkaBrian @FloQast Thank you for featuring my thoughts on #resilience

[shashanktweets @ShashankTweets]

Excited to share this article that I contributed to. Shout out to @qwoted. https://t.co/2I7aaFqUGk

[shashanktweets @ShashankTweets]

Thank you, @USPAACC for this honor!!

[USPAACC @USPAACC]

👏Congrats to InstaMortgage 1 of our #Fast100 #AsianAmericanBusiness Award WINNERS for 2023!👏

They are among the fastest growing #PanAsianAmerican businesses in the US & a leader in their industry. Find out more: https://t.co/oxVQ3fjucG.

@ShashankTweets #USPAACC #CelebrASIAN

[shashanktweets @ShashankTweets]

@tferriss My suggestion will be to write a "very long blog post" with tips on how the top strategies suggested in the book could work even better with ChatGPT and other tools.

[shashanktweets @ShashankTweets]

Mortgage rates are 6.5%.

A monthly payment of ~$2,500 gets you a $400,000 loan amount.

Just about 18 months back, the same monthly payment got you a ~$600,000 loan amount.

Crazy!!

[shashanktweets @ShashankTweets]

Join me on the @finastra panel discussion to talk about the future of #artificialintelligence and #chatgpt in #mortgage lending.

Register here - https://t.co/uNCGqMGsJJ

[shashanktweets @ShashankTweets]

Sitting with @joewelu, CEO and Founder of @totalexpertinc, it was a pleasure to discuss #marketing, Gen Z, Business Essence, and Market Trends on the Expert Insights #podcast.

The episode is now live and can be viewed wherever you listen to podcasts or here - https://t.co/t9VVaDfbw6