jdpotter

Thinker, Leader, Innovator and Advocate. Following my curiosity. Trying to answer well.

[NBA @NBA]

As we honor the sixth year of the NBA Social Justice Champion award, join us in recognizing Bam Adebayo, Harrison Barnes, Jaylen Brown, Tobias Harris, and Larry Nance Jr. as the finalists for the 2025-26 season. This award honors NBA Hall of Famer Kareem Abdul-Jabbar and his lifetime commitment to driving impactful change around social justice.

[Aleksandr Gampel @AGampel1]

We’ve been building in the shadows for 4.5 years.
Today, we’re pulling back more of the curtain.

We just dropped a 10-minute film showing what Cuby really looks like in operation (from 3 months ago).

Watch the film and then tell me if you still think the future has to suck.

More below.

@AKandrashou @buildwithcuby

[jdpotter @jdpotter]

@TrumpWarRoom @pulte What lender originated these loans?

[jdpotter @jdpotter]

@pulte What lender originated these loans?

[jdpotter @jdpotter]

There is a massive question at the heart of @DKThomp’s great piece on housing - is this a moment in time we can reverse trends OR an early indicator of a fundamental shift in wealth creation? If the American Dream is no longer one family to one house they own, what will we offer?

[Derek Thompson @DKThomp]

Full article: https://t.co/G32W8K97FZ

[jdpotter @jdpotter]

@pulte Are closing costs high? Relative to lender gain on sale, originator compensation, realtor commission, property taxes and rate lock fees, are we sure closing costs are the culprit? I would ask a larger question - why is everything in real estate a % of loan amount versus flat fee?

[jdpotter @jdpotter]

@pulte F&F have established underwriting systems (DU/LP) that cannot help the homebuyer until after fees are paid & all the data collection for their lender is done. It’s held as a “mystery” until way too late in the process. And, as a result, lenders charge more and cannot save ppl $$$

[jdpotter @jdpotter]

@oren_cass @oren_cass most thoughtful and insightful analysis I’ve seen on this platform all year. How does new big tent strategy square with restrictive policies on voting, restricting medical rights for women, and endorsing odd restrictions on books / education? Does that limit the tent?

[jdpotter @jdpotter]

@FDSportsbook and @YouTubeTV are running the most useless promo I’ve ever seen. Existing Fanduel + YouTubeTV customer must cancel YouTubeTV & resubscribe to gain the $100 off coupon I earned. But it doesn’t apply until Oct 1 bc I already paid Sept. 😡so lame. Who’s running this?

[jdpotter @jdpotter]

Homeownership is an emotional not financial decision. Its time-consuming too. It hardly makes sense to try to do something to make money that makes you unhappy or insecure. I would skip granular financial comparisons in favor of what makes most sense for you or your lifestyle.

[Henri Pierre-Jacques @hpierrejacques]

Hot take: I don’t plan to own a home anytime soon and honestly don’t want to for me, would solely be for future kids

Top reasons for me
- I don’t like being tied down to a location, may change with kids
- Higher interest rates now make renting more appealing for cashflow and investing in other assets
- Unless rent becomes high percentage of income it doesn't really impact savings
- The time management of homes stresses me out and not best use of my time
- Given I'm a founder, my business is my greatest asset, not my home
- Rent is the max you’ll pay and mortgage is the least you’ll pay

Many have tried to convince my wife and I otherwise but we’ve ran the math multiple times and done the qualitative analysis, still end up in rent camp. The American Dream of home ownership just doesn’t isn’t for us

Curious how others are thinking about it?

[jdpotter @jdpotter]

Visualizing the Assets and Liabilities of U.S. Banks https://t.co/ZNjSitmwSW{{title}} via @visualcap

[YIMBYLAND @YIMBYLAND]

It's 2028 in Austin, TX. Four years have passed since the city was liberated from its onerous land-use and zoning restrictions.

Which row house are you living in? 👇

[jdpotter @jdpotter]

@faraz_r_khan @Austen But it could. It’s an asset just more volatile than lenders are used to. The true solve is incorporating it into a risk profile and then running cash flow analysis on the profile. We’re a long way away right now, but cash flow is 100% the future of personalized lending

[jdpotter @jdpotter]

I love how headlines imply and many establishment types still believe there’s only one way to do something. Still a belief there’s only one way to do it. And, surprise, surprise, the belief is the way it has always been done. Modern trend is the best solution is personalized …

[Ramit Sethi @ramit]

This is only controversial if you don’t understand Phantom Costs, opportunity cost, inflation, labor costs, supply & demand, indexing, amortiza—

Oh

[jdpotter @jdpotter]

“The very secret of life for me, I believed, was to maintain in the midst of rushing events an inner tranquility.”
— Margaret Bourke-White

via the 5-Bullet Friday newsletter (https://t.co/rgfoN2UG6I) from @tferriss

[jdpotter @jdpotter]

Are You Dedicated To Innovation? https://t.co/OhxmSjshQM via @IDEATE EXECUTE

[jdpotter @jdpotter]

@greatgrace84 That’s so funny cause when I saw that post I thought “how did we never watch that together on our classic movie nights” … I think we did. Though, I bet the Sicily scenes would have been the most memorable. Did they look familiar? #leavethegunTakethecannoli

[StavvyHQ @StavvyHQ]

Join Jeremy Potter and Mike McGregor next week for a timely webinar covering:

✅ Where RON is legal today
✅ When the remaining states are expected to adopt RON
✅ What full RON adoption means for the mortgage ecosystem

Register now: https://t.co/9Ldu4LXLpi

[jdpotter @jdpotter]

@sepinwall Bad Sisters.

[StavvyHQ @StavvyHQ]

What digital closing features are in your top 3? Learn more about must-have #eClosing features here ➡️ https://t.co/nVrgroUalN

#mortgage #homeloans #loanofficer #titleagent #realestate #titleservices #mortgagelender