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impressions
67.6K
likes
236
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posts
366
engagement
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$1.41K
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The harsh reality of the very first mortgage check 🧾 Most first-time buyers expect their monthly housing bill to instantly build massive equity, but early payments are almost entirely interest fees. On a standard $400,000 loan with a 7% rate, the monthly total sits around $2,661. Right out of the gate in month one, a massive $2,333 goes straight to bank interest, leaving just $328 to actually chip away at the property balance. The principal share slowly improves over time, but the amortization breakdown tells the real story upfront. Did the lender break down this payment split before closing? Drop a comment below. Send this to someone buying their first home. #firsttimehomebuyer #mortgagetips #homebuyertips #personalfinance #homeownership
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1w ago
theeddyperez
The harsh reality of the very first mortgage check 🧾 Most first-time buyers expect their monthly housing bill to instantly build massive equity, but early payments are almost entirely interest fees. On a standard $400,000 loan with a 7% rate, the monthly total sits around $2,661. Right out of the gate in month one, a massive $2,333 goes straight to bank interest, leaving just $328 to actually chip away at the property balance. The principal share slowly improves over time, but the amortization breakdown tells the real story upfront. Did the lender break down this payment split before closing? Drop a comment below. Send this to someone buying their first home. #firsttimehomebuyer #mortgagetips #homebuyertips #personalfinance #homeownership
Cutting six years off a mortgage with just $200 a month 🏠 On a $400k loan at 7%, an extra $200 saves $126,600 in interest. Just make sure it gets marked as "principal only." Extra $200 on the house or into stocks? Drop your pick below. Save this for your next mortgage statement. #mortgagetips #homeowner #personalfinance #moneytips #homeownership
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theeddyperez
Cutting six years off a mortgage with just $200 a month 🏠 On a $400k loan at 7%, an extra $200 saves $126,600 in interest. Just make sure it gets marked as "principal only." Extra $200 on the house or into stocks? Drop your pick below. Save this for your next mortgage statement. #mortgagetips #homeowner #personalfinance #moneytips #homeownership
Why low monthly payments on cash-out refinances are misleading 🚚 Using equity to finance lifestyle purchases looks attractive on paper because the monthly burden feels minimal. A $45,000 car added to a 30-year mortgage at 6.5% interest only adds about $284 to the monthly bill. But compounding interest over three decades turns that initial $45,000 purchase into a massive $102,000 payout. Trading long-term property wealth for a rapidly depreciating asset creates serious financial drag. Does using equity for a vehicle purchase ever make sense, or is it a guaranteed trap? Drop a comment below. Tag the friend who's about to do this. #homeequity #mortgagetips #personalfinance #moneytips #homeowner
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2w ago
theeddyperez
Why low monthly payments on cash-out refinances are misleading 🚚 Using equity to finance lifestyle purchases looks attractive on paper because the monthly burden feels minimal. A $45,000 car added to a 30-year mortgage at 6.5% interest only adds about $284 to the monthly bill. But compounding interest over three decades turns that initial $45,000 purchase into a massive $102,000 payout. Trading long-term property wealth for a rapidly depreciating asset creates serious financial drag. Does using equity for a vehicle purchase ever make sense, or is it a guaranteed trap? Drop a comment below. Tag the friend who's about to do this. #homeequity #mortgagetips #personalfinance #moneytips #homeowner
First-time buyers are entering the market later than ever 🏠 The average first-time homebuyer is now 40 years old, the highest age ever recorded. Today, first-time buyers make up just 21% of total home sales, an all-time low. And despite what many think, the average first-time buyer put down 10%, not 20%. Delaying homeownership just to hit a 20% down payment is one of the costliest mistakes you can make in real estate. At what age did you buy your first home? Drop it in the comments below! 👇 #firsttimehomebuyer #homebuyertips #mortgagetips #housingmarket
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theeddyperez
First-time buyers are entering the market later than ever 🏠 The average first-time homebuyer is now 40 years old, the highest age ever recorded. Today, first-time buyers make up just 21% of total home sales, an all-time low. And despite what many think, the average first-time buyer put down 10%, not 20%. Delaying homeownership just to hit a 20% down payment is one of the costliest mistakes you can make in real estate. At what age did you buy your first home? Drop it in the comments below! 👇 #firsttimehomebuyer #homebuyertips #mortgagetips #housingmarket
The market correction that filtered out passive originators 📉 Active loan officer licenses fell from 125,000 in 2021 to about 82,500 by 2025, with overall mortgage jobs shrinking by 36%. Boom years allowed thousands to close loans without building long-term skills. When effortless business ended, weak habits collapsed. The originators surviving today won by raising standards in relationships, follow-up, and execution. Did the market push originators out, or did easy money just fail to teach them? Tell me in the comments. #loanofficer #mortgagebroker #mortgageindustry #mortgagelife #salesmindset
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theeddyperez
The market correction that filtered out passive originators 📉 Active loan officer licenses fell from 125,000 in 2021 to about 82,500 by 2025, with overall mortgage jobs shrinking by 36%. Boom years allowed thousands to close loans without building long-term skills. When effortless business ended, weak habits collapsed. The originators surviving today won by raising standards in relationships, follow-up, and execution. Did the market push originators out, or did easy money just fail to teach them? Tell me in the comments. #loanofficer #mortgagebroker #mortgageindustry #mortgagelife #salesmindset
Your bank is probably not your best mortgage option... One sentence of advice was 100% right. The next one? Not even close. Don’t make your dad your lender. Absolutely. But telling people to “just go to a bank” ignores how the mortgage market actually works. A retail bank has one set of products. A mortgage broker has options. ✅Better pricing. ✅More flexibility. ✅Faster execution. The goal isn’t to get a loan. It’s to get the right loan. 👇 If you were buying a home tomorrow, would you start with your bank or with a broker?
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theeddyperez
Your bank is probably not your best mortgage option... One sentence of advice was 100% right. The next one? Not even close. Don’t make your dad your lender. Absolutely. But telling people to “just go to a bank” ignores how the mortgage market actually works. A retail bank has one set of products. A mortgage broker has options. ✅Better pricing. ✅More flexibility. ✅Faster execution. The goal isn’t to get a loan. It’s to get the right loan. 👇 If you were buying a home tomorrow, would you start with your bank or with a broker?
Cash offers changed housing in 2021, but they did not eliminate financing. The exact balance depends on the market segment, location, and time period.
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theeddyperez
Cash offers changed housing in 2021, but they did not eliminate financing. The exact balance depends on the market segment, location, and time period.
When your mortgage changes hands 📬 Most homeowners only realize their mortgage was transferred when a unexpected letter arrives with a new logo at the top. The underlying terms of your loan remain exactly the same, only the destination of your monthly payment changes. By law, both your old and new servicers are required to notify you. Plus, there's a 60-day grace period after the transfer where payments accidentally sent to the old company cannot be marked late or penalized. Be careful: scammers frequently fake these transition notices. Always verify the new lender by calling the official phone number listed on your previous statement, not the one printed on the new letter. Has a new servicer ever taken over your mortgage unexpectedly? Save this for the day that letter shows up. #mortgagetips #homeowner #homeownership #personalfinance #realestate
1.52K
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3w ago
theeddyperez
When your mortgage changes hands 📬 Most homeowners only realize their mortgage was transferred when a unexpected letter arrives with a new logo at the top. The underlying terms of your loan remain exactly the same, only the destination of your monthly payment changes. By law, both your old and new servicers are required to notify you. Plus, there's a 60-day grace period after the transfer where payments accidentally sent to the old company cannot be marked late or penalized. Be careful: scammers frequently fake these transition notices. Always verify the new lender by calling the official phone number listed on your previous statement, not the one printed on the new letter. Has a new servicer ever taken over your mortgage unexpectedly? Save this for the day that letter shows up. #mortgagetips #homeowner #homeownership #personalfinance #realestate
Kevin Hart revealed his real thoughts on The Rock! #therock #kevinhart #brotherhood
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2mo ago
theeddyperez
Kevin Hart revealed his real thoughts on The Rock! #therock #kevinhart #brotherhood
No price is too high for liberty 🚣‍♂️ Steering a stolen rowboat across open seas for three grueling days was the only way out of communist oppression. Surviving that journey meant dropping to the ground to kiss the shore. When freedom is on the line, real men take the stand and make the ultimate leap. #freedom #legacy #father #courage #fatherhood
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theeddyperez
No price is too high for liberty 🚣‍♂️ Steering a stolen rowboat across open seas for three grueling days was the only way out of communist oppression. Surviving that journey meant dropping to the ground to kiss the shore. When freedom is on the line, real men take the stand and make the ultimate leap. #freedom #legacy #father #courage #fatherhood
Fatherhood is part patience, part pride, and part getting on your kids’ nerves. The greatest win is watching them become confident adults with ideas of their own. What would your kids say you do to annoy them?
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theeddyperez
Fatherhood is part patience, part pride, and part getting on your kids’ nerves. The greatest win is watching them become confident adults with ideas of their own. What would your kids say you do to annoy them?
What does your name actually stand for? Listen to Kevin Hart explain how he turned "Hart" into a globally recognized brand by connecting the dots. Building a brand is about leveraging what makes you unique.
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2mo ago
theeddyperez
What does your name actually stand for? Listen to Kevin Hart explain how he turned "Hart" into a globally recognized brand by connecting the dots. Building a brand is about leveraging what makes you unique.
The shifting math behind homeownership affordability 🏠 Buying a house today demands a much higher percentage of income than it did for previous generations. Homes averaged 3.2 years of household income in the 1990s, 4.1 in 2019, and hit 5 times income by 2024. This isn't a budgeting issue—the baseline moved. Winning in today's market takes smart planning, down payment assistance, and shopping multiple lending options through a broker. Is telling buyers to "just work harder" still fair advice? Tell me in the comments. #firsttimehomebuyer #homebuyertips #mortgagetips #personalfinance #millennials
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theeddyperez
The shifting math behind homeownership affordability 🏠 Buying a house today demands a much higher percentage of income than it did for previous generations. Homes averaged 3.2 years of household income in the 1990s, 4.1 in 2019, and hit 5 times income by 2024. This isn't a budgeting issue—the baseline moved. Winning in today's market takes smart planning, down payment assistance, and shopping multiple lending options through a broker. Is telling buyers to "just work harder" still fair advice? Tell me in the comments. #firsttimehomebuyer #homebuyertips #mortgagetips #personalfinance #millennials
How to k*ll 6 years off a mortgage with $200 🏠 Dropping six years off a loan doesn't take a refinance. Adding $200 a month to principal on a $400,000 mortgage at 7% eliminates the loan in roughly 24 years and wipes out $126,600 in interest fees. Just be sure to tell the servicer to apply the funds as "principal only" so it actually lowers the balance. Would you pay off the house early or invest that $200? Tell everyone in the comments. Save this for your next mortgage statement. #mortgagetips #homeowner #personalfinance #moneytips #homeownership
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theeddyperez
How to k*ll 6 years off a mortgage with $200 🏠 Dropping six years off a loan doesn't take a refinance. Adding $200 a month to principal on a $400,000 mortgage at 7% eliminates the loan in roughly 24 years and wipes out $126,600 in interest fees. Just be sure to tell the servicer to apply the funds as "principal only" so it actually lowers the balance. Would you pay off the house early or invest that $200? Tell everyone in the comments. Save this for your next mortgage statement. #mortgagetips #homeowner #personalfinance #moneytips #homeownership
Confidence builds empires; arrogance burns them to the ground! #business #strategy #success
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theeddyperez
Confidence builds empires; arrogance burns them to the ground! #business #strategy #success
Why your mortgage payoff date is actually in your own hands. #mortgage #loan #homebuying
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theeddyperez
Why your mortgage payoff date is actually in your own hands. #mortgage #loan #homebuying
Watch what happens when you give the exact same file to a retail giant vs. a top producer! #lender #loan #lo
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theeddyperez
Watch what happens when you give the exact same file to a retail giant vs. a top producer! #lender #loan #lo
The four offer details that determine if your file actually closes. #businessadvice #broker #mortgage
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theeddyperez
The four offer details that determine if your file actually closes. #businessadvice #broker #mortgage
A powerful message from the streets of Chicago 🏙️ The hospitality in this city is unmatched, but the shirt carries a much deeper conversation. Making men great again starts with breaking the silence around men's mental health and suicide awareness. Real strength isn't about carrying every burden alone, it's about standing together and speaking up. Are you actively checking in on the men in your circle? Drop a comment below #chicagolife #mensmentalhealth #mindset #masculinity #accountability
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theeddyperez
A powerful message from the streets of Chicago 🏙️ The hospitality in this city is unmatched, but the shirt carries a much deeper conversation. Making men great again starts with breaking the silence around men's mental health and suicide awareness. Real strength isn't about carrying every burden alone, it's about standing together and speaking up. Are you actively checking in on the men in your circle? Drop a comment below #chicagolife #mensmentalhealth #mindset #masculinity #accountability
Taking the first loan offer costs thousands of dollars 📞 Shopping just one more lender drops the rate by an average of 0.20%. On a $400k home loan, that single phone call saves over $19,000 in interest. Always compare quotes pulled on the exact same day. How many lenders did you call for your mortgage? Drop it below. #homebuyertips #mortgagetips #firsttimehomebuyer #personalfinance #moneytips
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theeddyperez
Taking the first loan offer costs thousands of dollars 📞 Shopping just one more lender drops the rate by an average of 0.20%. On a $400k home loan, that single phone call saves over $19,000 in interest. Always compare quotes pulled on the exact same day. How many lenders did you call for your mortgage? Drop it below. #homebuyertips #mortgagetips #firsttimehomebuyer #personalfinance #moneytips

Mortgage Broker Tips | Wholesale Lending (@theeddyperez) Instagram Stats & Analytics

Mortgage Broker Tips | Wholesale Lending (@theeddyperez) has 22.0 Instagram followers with a 0.35% engagement rate over the past 12 months. Across 366 posts, Mortgage Broker Tips | Wholesale Lending received 236 total likes and 67.6K impressions, averaging 0.640 likes per post. This page tracks Mortgage Broker Tips | Wholesale Lending's performance metrics, top content, and engagement trends — updated daily. To benchmark @theeddyperez against other accounts, use Socialpruf's Instagram competitor analysis tool.

Mortgage Broker Tips | Wholesale Lending (@theeddyperez) Instagram Analytics FAQ

How many Instagram followers does Mortgage Broker Tips | Wholesale Lending have?+
Mortgage Broker Tips | Wholesale Lending (@theeddyperez) has 22.0 Instagram followers as of November 2026.
What is Mortgage Broker Tips | Wholesale Lending's Instagram engagement rate?+
Mortgage Broker Tips | Wholesale Lending's Instagram engagement rate is 0.35% over the last 12 months, based on 366 posts.
How many likes does Mortgage Broker Tips | Wholesale Lending get on Instagram?+
Mortgage Broker Tips | Wholesale Lending received 236 total likes across 366 posts in the last 12 months, averaging 0.640 likes per post.
How many Instagram impressions does Mortgage Broker Tips | Wholesale Lending get?+
Mortgage Broker Tips | Wholesale Lending's Instagram content generated 67.6K total impressions over the last 12 months.
Can I compare Mortgage Broker Tips | Wholesale Lending with other Instagram accounts?+
Yes. Add @theeddyperez to a competitor set with Socialpruf's Instagram competitor analysis tool and benchmark it side by side with any other public accounts on views, engagement rate and follower growth, with history back to each account's first post.