Rebecca Richardson
@themortgagementor.bsky.social
esse quam videri 📖 Carolina girl 🩵 I share simple solutions that get real results 💅🏻 welcome to my stream of consciousness
Simple math will tell you if you make "X" amount of money, you can probably afford "Y" house price.
But life is more than just simple math. Sure, your income matters, but it's not the whole story.
But life is more than just simple math. Sure, your income matters, but it's not the whole story.
December 16, 2025 at 7:01 PM
Simple math will tell you if you make "X" amount of money, you can probably afford "Y" house price.
But life is more than just simple math. Sure, your income matters, but it's not the whole story.
But life is more than just simple math. Sure, your income matters, but it's not the whole story.
If you really want to do something, you'll find a way. If you don't, you'll find an excuse.
December 9, 2025 at 7:01 PM
If you really want to do something, you'll find a way. If you don't, you'll find an excuse.
Quick meme dump to make you laugh
December 5, 2025 at 6:01 PM
Quick meme dump to make you laugh
Could you wait until next year to get started? Yes.
Could you also start NOW and take advantage of the current rates and the slow season to snag a deal? Hell YES!
Could you also start NOW and take advantage of the current rates and the slow season to snag a deal? Hell YES!
December 2, 2025 at 7:02 PM
Could you wait until next year to get started? Yes.
Could you also start NOW and take advantage of the current rates and the slow season to snag a deal? Hell YES!
Could you also start NOW and take advantage of the current rates and the slow season to snag a deal? Hell YES!
I know plenty of people who want to run and hide the moment they hear “budget” because math can feel complicated (and a little scary...or hella boring) 😅
November 25, 2025 at 8:01 PM
I know plenty of people who want to run and hide the moment they hear “budget” because math can feel complicated (and a little scary...or hella boring) 😅
Remember the stuff you believed as a kid that turned out to be completely wrong? (I used to think quicksand and the Bermuda Triangle would be bigger problems than they are.)
November 18, 2025 at 6:01 PM
Remember the stuff you believed as a kid that turned out to be completely wrong? (I used to think quicksand and the Bermuda Triangle would be bigger problems than they are.)
Rates move. They always have & they always will.
As a loan officer, it's not realistic to predict every change, but we can help our clients make sense of what it means for them.
As a loan officer, it's not realistic to predict every change, but we can help our clients make sense of what it means for them.
November 11, 2025 at 6:01 PM
Rates move. They always have & they always will.
As a loan officer, it's not realistic to predict every change, but we can help our clients make sense of what it means for them.
As a loan officer, it's not realistic to predict every change, but we can help our clients make sense of what it means for them.
What’s the most out-of-pocket response you’ve gotten from AI?
November 7, 2025 at 6:30 PM
What’s the most out-of-pocket response you’ve gotten from AI?
There are things in life that nobody is prepared for.
When you said "I do," you were probably expecting a "happily ever after" story, yet today, you might find yourself having to plan your happiness differently—and that's ok!
Life happens
When you said "I do," you were probably expecting a "happily ever after" story, yet today, you might find yourself having to plan your happiness differently—and that's ok!
Life happens
November 4, 2025 at 10:01 PM
There are things in life that nobody is prepared for.
When you said "I do," you were probably expecting a "happily ever after" story, yet today, you might find yourself having to plan your happiness differently—and that's ok!
Life happens
When you said "I do," you were probably expecting a "happily ever after" story, yet today, you might find yourself having to plan your happiness differently—and that's ok!
Life happens
If you laugh at these memes, you’re my kind of people.
November 1, 2025 at 7:01 PM
If you laugh at these memes, you’re my kind of people.
Tired of the jargon?
October 28, 2025 at 5:01 PM
Tired of the jargon?
If you've ever worked with a social media expert, you should have already heard that community is ✨everything✨
Remember that applies to you as a Loan Officer, too!
Remember that applies to you as a Loan Officer, too!
October 21, 2025 at 1:30 PM
If you've ever worked with a social media expert, you should have already heard that community is ✨everything✨
Remember that applies to you as a Loan Officer, too!
Remember that applies to you as a Loan Officer, too!
Should you consider a larger down payment?
Well, the answer is: it depends.
While a 20% down payment may feel like the default, it's not always the right choice for every buyer.
Well, the answer is: it depends.
While a 20% down payment may feel like the default, it's not always the right choice for every buyer.
October 14, 2025 at 5:01 PM
Should you consider a larger down payment?
Well, the answer is: it depends.
While a 20% down payment may feel like the default, it's not always the right choice for every buyer.
Well, the answer is: it depends.
While a 20% down payment may feel like the default, it's not always the right choice for every buyer.
If you search "Loan Officer near me," you will likely get a billion results (and some ads) of Loan Officers claiming to have "the best rates."
But rates are not the only thing that matters. Loan officers, rates aren't what set you apart, nor is paperwork or a big-name bank.
But rates are not the only thing that matters. Loan officers, rates aren't what set you apart, nor is paperwork or a big-name bank.
October 7, 2025 at 1:01 PM
If you search "Loan Officer near me," you will likely get a billion results (and some ads) of Loan Officers claiming to have "the best rates."
But rates are not the only thing that matters. Loan officers, rates aren't what set you apart, nor is paperwork or a big-name bank.
But rates are not the only thing that matters. Loan officers, rates aren't what set you apart, nor is paperwork or a big-name bank.
Buying a home is not a decision that should be taken lightly.
October 6, 2025 at 6:01 PM
Buying a home is not a decision that should be taken lightly.
If you've ever had someone on your team hesitate, shut down, or keep you at arm's length… you've felt what a lack of trust does. And no title or role magically fixes that.
September 30, 2025 at 5:30 PM
If you've ever had someone on your team hesitate, shut down, or keep you at arm's length… you've felt what a lack of trust does. And no title or role magically fixes that.
December checks out.
Source: me, with my NYE birthday
🧵👇🏼
Source: me, with my NYE birthday
🧵👇🏼
September 26, 2025 at 6:03 PM
December checks out.
Source: me, with my NYE birthday
🧵👇🏼
Source: me, with my NYE birthday
🧵👇🏼
Have you ever wondered why your mortgage rate might change after pre-approval? 🧐
September 23, 2025 at 5:30 PM
Have you ever wondered why your mortgage rate might change after pre-approval? 🧐
One of the first lessons you should learn in marketing is that, if you try to serve everyone, you will end up serving nobody. Not everyone is your audience.
And this applies to you as a loan officer.
And this applies to you as a loan officer.
September 16, 2025 at 6:01 PM
One of the first lessons you should learn in marketing is that, if you try to serve everyone, you will end up serving nobody. Not everyone is your audience.
And this applies to you as a loan officer.
And this applies to you as a loan officer.
If you are self-employed, a freelancer, a contractor, or a small business owner, it might have been some time since you held a paystub in your hand (and honestly, same, who prints those nowadays, really?)
September 9, 2025 at 6:30 PM
If you are self-employed, a freelancer, a contractor, or a small business owner, it might have been some time since you held a paystub in your hand (and honestly, same, who prints those nowadays, really?)
As a Loan Officer and a professional in general, you should document your processes. If you are doing anything more than twice in your life, you should have a well-defined and documented process for it.
Why?
Because this will help you stay organized.
Why?
Because this will help you stay organized.
September 8, 2025 at 6:30 PM
As a Loan Officer and a professional in general, you should document your processes. If you are doing anything more than twice in your life, you should have a well-defined and documented process for it.
Why?
Because this will help you stay organized.
Why?
Because this will help you stay organized.
I am sure you have heard this before: you are your brand.
When it comes to loan officers, Realtors, and nearly everyone who provides a service face-to-face and one-on-one (such as lawyers and psychologists), image is everything.
When it comes to loan officers, Realtors, and nearly everyone who provides a service face-to-face and one-on-one (such as lawyers and psychologists), image is everything.
September 2, 2025 at 6:02 PM
I am sure you have heard this before: you are your brand.
When it comes to loan officers, Realtors, and nearly everyone who provides a service face-to-face and one-on-one (such as lawyers and psychologists), image is everything.
When it comes to loan officers, Realtors, and nearly everyone who provides a service face-to-face and one-on-one (such as lawyers and psychologists), image is everything.
FICO? Vantage? What is all of that!?
Unless you’re a lender—or you’ve already applied for a loan—chances are those words sound like a mystery.
Unless you’re a lender—or you’ve already applied for a loan—chances are those words sound like a mystery.
August 26, 2025 at 5:01 PM
FICO? Vantage? What is all of that!?
Unless you’re a lender—or you’ve already applied for a loan—chances are those words sound like a mystery.
Unless you’re a lender—or you’ve already applied for a loan—chances are those words sound like a mystery.
Having the lowest rates and being super organized when it comes to paperwork and clients' files is great and everything, but being human? That's what builds real trust.
August 19, 2025 at 9:01 PM
Having the lowest rates and being super organized when it comes to paperwork and clients' files is great and everything, but being human? That's what builds real trust.
Refinancing can feel a lot like gambling, but it doesn't have to.
Yes, rates change. Markets shift. And sure, the idea of "saving money" sounds great. However, refinancing only makes sense when the math works in your favor. You wouldn't bet $5,000 without knowing the odds…
Yes, rates change. Markets shift. And sure, the idea of "saving money" sounds great. However, refinancing only makes sense when the math works in your favor. You wouldn't bet $5,000 without knowing the odds…
August 12, 2025 at 12:02 PM
Refinancing can feel a lot like gambling, but it doesn't have to.
Yes, rates change. Markets shift. And sure, the idea of "saving money" sounds great. However, refinancing only makes sense when the math works in your favor. You wouldn't bet $5,000 without knowing the odds…
Yes, rates change. Markets shift. And sure, the idea of "saving money" sounds great. However, refinancing only makes sense when the math works in your favor. You wouldn't bet $5,000 without knowing the odds…