Jared Nicolaisen

@FluentInFinance Fine Andrew, you’re right, I’ll volunteer myself as the mortgage expert if this individual won and needed one 😉😂 This is great post!

3) When you win the lottery, hire these 8 experts ASAP: • Lawyer • Tax attorney • Financial advisor • CPA/ accountant • Cybersecurity firm • Estate planning attorney • Wealth management firm • Personal security/ bodyguards

If you win tomorrow's $1,700,000,000 lottery jackpot (3rd largest in history) here are 5 things to do ASAP: 1) Don't sign the ticket (claim anonymously with a trust/LLC) 2) Don't tell anyone. Don't be a victim of robbery or death. 3) Hire 8 experts ASAP:

Super cool to see @Uncle_JimmyD

@Uncle_JimmyD @AdamSchefter You know, I feel bad for those athletes that have to pay taxes. That bed of money is a little bit smaller due to taxes…. Sad

@AdamSchefter I'll sleep better knowing that Adam.

Some accounting as an fyi: Micah Parsons’ $47 million per year will be subject to Wisconsin’s 7.65% state income tax, reducing his average annual salary to $43.4M per year — still more than the $40.5M average per year that Parsons was offered from the Cowboys in no state income tax Texas.

@BurghBreakdown Tim!

National Dog Day to the OG Tomlin 🐶

@Uncle_JimmyD This is why I love you Unk lmao

@JaredN14 I know 😉 You pitched me a softball though 😎

🥩🍷

@Uncle_JimmyD lol I meant the restaurant

@JaredN14 That’s a prime rib

@Uncle_JimmyD So sad to hear about this today. I hope Bob is doing okay. See you guys next week

Heavy night tonight. One of my best friends lost his significant other this afternoon. She was a cancer survivor that got a random lung fungus that most of us would staved off without ever knowing we had it. Kelly’s immune system however was compromised. In less than two weeks she went from normal to terminal. I got the call from Bob today they took her off of the ventilator and she passed peacefully at 1:50. Kelly was only 59. I’m with Bobby now and have been the last 2 and 1/2 hours. Just us sitting here. He asked that we pour one for Kelly which has been sitting here. I’m asking for prayers of peace and comfort for Bob, Kelly’s daughter Kaylynne and all who love her. ❤️‍🩹🙏🏼 Thank you. Love Uncle Jimmy #Love

@HomeLoanBill Was the POA with the wrong lender on the wrong page or how’d you get a new one in place?

Update: We closed (a half hour late…but we closed). 🥳

@schnobie_ @Twins I’m kinda hungry though

The @Twins just traded 40% of their roster for a turkey sandwich

@CBarrett_CPA Where you guys headed?

I'm so excited to see my college friends this weekend for the first time in nearly a year. Life gets in the way quickly if you're not careful.

@BurghBreakdown Need 2022 brogan to go crazy in 2025

2020 +7U 2021 +26U 2022 +29U 2023 +11.5U 2024 +12U That’s 5 consecutive years in the green 🤑🤑🤑 with my NFL bets. All documented on X or Spotify podcast (prior to last year). I’ve got my eyes on a week 1 target already I love. You going to tag along this year?

@CBarrett_CPA 😂😂😂

@JaredN14 Not you too Jared…

Imagine your dad, your lifelong hero, exposed on the news as a Coldplay fan. Poor kids…

@mortgagetruth Local bank that was doing high risk in-house loans at that time. Needless to say, they haven’t done any in-house product since

@JaredN14 Surprised only a 3-year because they’re typically harder to qualify for using a higher rate for DTI. Maybe wealthier buyers? And a subsequent refi too!

I understand the folks who used an ARM to buy a home in late 2022. Rates were high then (and still are). But who refinanced into an ARM in late 2022, presumably giving up a 2-4% 30-year fixed-rate mortgage in the process?

@HomeLoanBill Not ideal that’s for sure lol

@JaredN14 43% front end is…

Me when AUS won’t approve a 28/42% DTI, 681 FICO, 95% LTV conventional loan.

@HomeLoanBill Is the interest savings paying an extra $333 a month the same bi weekly since it works out to the same 4000 in that scenario?

1) Most people only in their homes for about 10 years. 2) Most people pay nothing close to $4,000/month on their mortgage. 3) Assuming a rate of return of at least 7%, you’re better off investing the “extra payment” than paying down your mortgage (rate of 6.75%).

@BayAreaREMatt @HomeLoanBill @amandaorson selling-guide.fanniemae.com/sel/b3-4.1-04/… guide.freddiemac.com/app/guide/sect… selling-guide.fanniemae.com/sel/b3-4.3-15/… The only “miss” is not allowing crypto as reserves. Otherwise, if you can borrow against the asset, you can use the funds as long as you have the terms of repayment

@HomeLoanBill @amandaorson No she’s right. I’ve had several clients use equity lines on their stocks for downpayment.

“They can already use Bitcoin to buy a house- just liquidate it.” ☝️That’s the problem. No one wants to sell their best-performing asset to buy a house. They want to leverage it, like stocks. Basic asset-based lending. Most lenders exclude crypto entirely, which artificially suppresses their perceived financial strength and borrowing power. Meanwhile, $BTC is up ~72% over the last 12 months and most hodlers believe it’s headed for $1M+. But current underwriting forces a lose-lose: liquidate or stay locked out of homeownership. It’s outdated and disconnected from how wealth is being built rn. **And** it disproportionately impacts Gen Z and Millennials (first time homeowner demo), who are often overweight crypto.