Sal Criscuolo

@GodlyNations D

How likely are you to vote for Gavin Newsom for President in 2028? A. 100% B. 50% C. 25% D. 0% California's governor has been floated as a potential national candidate. What's your take? Honest answers only

81% of first-time buyers are feeling optimistic about the housing market for this year & believe homebuying is a smart long-term investment, per new TD survey. Many Gen Z are expecting to own by 30!

Mortgage rates do not move directly with the Fed. They are heavily tied to the bond market, the 10-year Treasury, inflation expectations, mortgage-backed securities, and investor demand. Waiting for 4% rates may mean waiting for something ugly. Know your number first.

Home values in Oakland, California, and Cape Coral, Florida are the biggest drops in the country. Oakland down ~8.5% and Cape Coral down ~11.4% from a last year. They have the inventory; they need more predictable buyer demand. #MortgageUpdates

Most buyers think buying means single-family or nothing. Not always. If you buy a 2-family, 3-family, or 4-family and live in one unit, part of the rental income may help you qualify. That can change the whole conversation. Know the numbers before you assume you’re stuck.

@SavannahMaeUSA She wasn’t a 10 but with or without the hat, a solid 8

She’s a 10, but she's MAGA. What now?

@RepJackKimble We need a “clean start” government. Cue the aliens

Just a friendly warning. We don’t even make $200k per year in Congress despite working nearly 140 days. If we aren’t properly compensated, a lot of us will go to the private sector and you will be left with some real idiots in Congress.

@RepJackKimble You all lie, you all take money from “special interest” groups aside from your salaries and you don’t care about “we the people” how do I know you say? I know because it’s right in front of us. Numbers don’t lie and liars don’t use numbers. You are all idiot geniuses both sides.

@ginacarano Always the ROLE MODEL!! Good luck Kid! I’m a fan of both of you and I wouldn’t mind a brawling tie and no broken bones. A little bloody battle is good for the soul!

Ok. Vulnerable post but here we are. I just weighed in at 141.4 lbs. Since Sept 2024 to today, May 15, 2026, I have lost 100lbs. It hurts to say that and share but I am going to share it because I worked so damn hard every week for over a year and a half to shed this weight. It did not happen overnight. If it wasn’t for having this incredibly challenging goal in fighting @rondarousey I most definitely wouldn’t have reached this. I was pre-diabetic, had trouble simply walking in September 2024 and have been on the path to recovery to turn myself back into an athlete since then. It was hard, SO damn hard.. there was so much to learn, too much to unpack here, ups, downs, plateaus, things I learned late I wish I learned earlier, trial by error but I did it. Thank you to Ronda, who waited patiently while I lost this weight and giving me something to aim for. There is still so much I need to learn and want to do in the health space and to continue transforming my body, but for today, I thank God, my husband and my family for sticking with and encouraging me the whole way. I pray this encourages you wherever you are in your health journey. Believe there is hope. Never give up. Ok.. enough emo, I’ve got a fight tomorrow. We’ve worked so hard to get here. Tune in!! @netflixsports @netflix @MostVpromotions

A lot of buyers ask, “What’s the rate?” Better question: Does the deal actually work? Price, taxes, insurance, seller credits, cash to close, and timing all matter. A low rate on the wrong deal is still the wrong deal. Know your number before you wait yourself out.

~1/2 Gen Z homebuyers prefer in-person meetings with mortgage & real estate professionals over digital communication. It's easier to build trust & build a foundation to overcome affordability barriers. They need a place for security in a process that makes them feel unsure.

The buyer window is real. But windows close. Rates are still uncomfortable, but some buyers have more room than they had before: seller credits builder incentives price adjustments repairs better deal structure The mistake is waiting until everyone agrees it’s obvious.

Fewer than half (48%) of eligible service members consider a VA loan. Many don't know of their 0% down payment eligibility and that they don't need PMI. Lower upfront costs and monthly payments can make homeownership much more accessible to veterans! #MortgageTips

Stop waiting for rates to save you. The rate matters. But seller credits, builder incentives, buydowns, price reductions, repairs, and cash-to-close strategy matter too. The market is not easy. But it is more negotiable than people think. Know your number before you guess.

Great read! open.substack.com/pub/salvatorej…

The vision of crypto-backed mortgages is getting clearer as conventional loans are opening to accept bitcoin and stablecoin USD Coin as collateral. Borrowers are likely to get higher interest rates on these loans. #MortgageUpdates

The market is not easy. But it is negotiable again. Renters should ask before renewing. Buyers should understand seller credits, buydowns, and builder incentives before assuming they have no leverage. The first step is not panic. It is knowing your number.

Most first-time buyers are not unqualified. They are unprepared because nobody explained: • cash to close • FHA vs conventional • condo/co-op traps • underwriting mistakes • self-employed income issues After 28 years in mortgages, I finally wrote a straight forward link in

Some of the most attractive homebuying opportunities are off-market opportunities...but you'll need relationships with the sellers or referrals from industry contacts. Grow your network and don't be afraid to put yourself out there as an option!

Prosperity Now study of loan-level data from both Fannie Mae and Freddie Mac reveals that VantageScore 4.0 delivers a more accurate view of borrower risk, especially during stress periods & did better predicting defaults, including post-forebearance performance #MortgageUpdates