Trace Kuhn

Residential Mortgage - Doctor & Dentist Loans | Custom home builds | Complex borrowers

[Trace Kuhn @tracek]

@Hightop_Dave Praying for you and the family! 🙏 🙏

[Trace Kuhn @tracek]

@AdvisorJohn We can’t have nice things. Ugh

[Trace Kuhn @tracek]

@mortgagetruth @BullTheoryio Crazy

[Florida Gators Football @GatorsFB]

LOCKED THE GATES

[Trace Kuhn @tracek]

@jonbrooks The rate and buyers are domestic partners at this point. It will be a while before they can refi.

[Trace Kuhn @tracek]

@NewsLambert Lance, is it for qualifying? I think the more likely scenarios is they are using FHA so they can pay up to 6% in seller paid costs. Agency limits it to 3% with the lower down payments.

[Trace Kuhn @tracek]

@Leonajardinho The real value of that car is years 6-15. It is paid off and will run forever. Trading it in would be letting it go in the sweet spot of its life.

[Tampa Bay Rays @RaysBaseball]

Love this team so much man

[Trace Kuhn @tracek]

@mortgagetruth Most of my production this year has been portfolio ARMs. Fixed doesn’t make sense for most of my clients and hasn’t since oil went up. But I’m focused on doctors and affluent segments which is different than most folks.

[20 Years Ago Sports @20YearsAgoSport]

The Tampa Bay Devil Rays are adding infielder Ben Zobrist to the roster today and is expected to make his MLB debut.

Zobrist is a switch hitter who is expected to be primarily a utility player that can provide solid defense and a high contact rate.

[Trace Kuhn @tracek]

Can someone explain to me why anyone would pay $9 for a burger at a fast food place? I cannot comprehend it.

[Trace Kuhn @tracek]

@JoshPateCFB This one is easy. Definitely @DenisPhillipsWx. Best in Tampa Bay!

[Trace Kuhn @tracek]

@TayVictoria8 Anna’s Deli off of University in Sarasota is really good.

[Trace Kuhn @tracek]

@AdvisorJohn I’m in FL. Square footage, age of home/roof, flood requirements are all a factor. We’re also seeing lower HOI in some areas. Hard to ballpark for sure.

[Trace Kuhn @tracek]

Prices likely improve with relationship discounts, as well.

[Colin Robertson @mortgagetruth]

Another big bank has dropped their mortgage rates into the 5s across the board.

Weak jobs data from ADP was the driver today.

Yes, rates require ~1 point and 20% down, but chances are you'll be able to get 5s w/o points and on more scenarios if this trend continues.

[Colin Robertson @mortgagetruth]

Good reminder that actual mortgage rates are well below the national average you see reported.

Major banks and lenders are firmly in the 5s w/ reasonable points and fees.

While 15-year loans are nearly priced in the 4s...

[Trace Kuhn @tracek]

Gave myself a gift this morning. Opened up my inbox, selected all and clicked on Marked as Read. Merry Christmas!

[Trace Kuhn @tracek]

Quick tip: When you finish building your 2026 business plan, don’t put it away until January 1. Upload it to Chat and create a December quick launch guide. This will give you a running start into the new year. The time to hustle starts now.

[Trace Kuhn @tracek]

The Fed cut rates today.

Mortgage rates went higher.

It’s a good reminder that the two don’t move together and sometimes they move in opposite directions.

[Trace Kuhn @tracek]

@FlyTPA Cargo shorts?