John Yang @johnyang
Husband and father of two amazing kids. Mortgage Consultant with loanDepot and Backpacking Maniac. Follow Me on Instagram: johnkyang NMLS 242839 loandepot.com/jyang Santa Clarita, CA Joined May 2008-
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Hey there! 🌟 Ever wonder why we sometimes splurge on stuff we really don't need? 🛍️ Let's unravel the mysteries of our spending habits together! John Yang 818-445-6354 NMLS 242839 loanDepot.com/jyang
👛We also spend under social pressure to fit in or impress. Next time, ask: "Do I really need this?" 🤷 And remember, it's cool to say no. 🚫 Ending with a note: It's about spending wisely, not never spending. 💫 #SocialPressure #SpendConscious @johnyang
🎯Ads convince us that we 'need' things. They play on our emotions. Don't let them manipulate you. Stay conscious! ⏳ #AdsTrick #StayAware
💳The ‘pain of paying’ lessens with credit cards. It doesn't feel like we're spending real money, leading to unhealthy buying habits. Let's bring awareness to this. 💡 #PainOfPaying #DigitalSpending
🧠When we shop, dopamine gives us a feel-good hit - to our brains, it's a mini reward party! 💃 But beware, this can trick us into unnecessary spending. 🎈#DopamineHit #SpendSmart
🛍️Ever wondered why we buy stuff we don't really need? 🤔 Thread unraveling the psychology of spending. Spend wisely, not impulsively! 💳💰 #ThinkBeforeYouBuy #SpendingWisely
Debunking The Myth: Student Loans and Homeownership. 🏠
🚨 Divorced and dreaming of a new home? 🏡 Your divorce decree might be the key you never knew you had! 🔑💼 Discover how to unlock your home-buying potential without your ex's mortgage holding you back. Dive into the details with our latest video. #HomeBuyingTips#DivorceDecree
Discover the mortgage secrets that could be the deciding factor in your loan approval 🏦💡. Only watch if you're SERIOUS about getting the green light from lenders! 🚦👀 John Yang NMLS 242839 818-445-6354 #LosAngeles #santaclarita
Thinking of holding off on buying your dream home until the Fed cuts rates? 🚦🔍 This could be a game-changer. My latest reel dives into why waiting for those rate cuts might hold you back from securing your dream home. 🏡💭 John Yang 818-445-6354 NMLS 242839
#NEW Goldman Sachs’ “U.S. economic analysts” team revises up its multi-year outlook for U.S. home prices, as measured by Case-Shiller +5.5% in 2024 +4.4% in 2025 +4.9% in 2026 +4.9% in 2027
Ever wondered how the battle over real estate commissions could change the game for buyers and agents? Let's break down the DOJ's latest move. #losangeles #SantaClarita
.@RepMikeGarcia please cosponsor the BOLD Reauthorization Act of 2024 (H.R.7218). #BOLDAlzheimersAct
.@SenAlexPadilla @LaphonzaB please cosponsor the BOLD Reauthorization Act of 2024. #BOLDAlzheimersAct
Ever heard of a Mortgage Impound Account? 🤔 Did you know that opting for an impound account can lead to significant savings on your mortgage closing costs? Lenders often offer better pricing incentives, sometimes up to 0.25 points off your closing costs.
🏠 Beware, folks! The rise of institutions buying single family homes could have a lasting impact on potential homebuyers and prices. 😱 As these big players snatch up properties, it becomes tougher for regular folks like us to find affordable homes. 📉 💪🏡 #AffordableHousing
mbshighway.com/gallery/ADPEmp… Private sector job growth was slower than expected to start the year, as employers added just 107K new jobs in January. December’s figure was also revised lower. The economy looks like it's headed toward a soft landing in the U.S. and globally.” #adp #job
"Waiting for lower mortgage rates? Time in the market beats timing the market. Every day you wait, you're missing out on building equity. Act now, adjust later."
Lincoln Riley let Caleb Williams down again. Sit and protect Caleb Williams. #uscfootball
Lincoln Riley $10M coach is out coached by Chip Kelly $5, 8M coach. #uscfootball ✌️
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@Hayesfawcett3 @On3sports @peypey_wood @oregonfootball @CoachLup @CoachJoeLorig @Coach_CHampton @aaronflowers06 @AydinBreland @jay_mac2481 @dkthegreat__ No on is stopping Oregon this year 🦆🔥 Dan Lanning is building a national championship level team. Offense. Defense. Hell even special teams. This team is the most complete team in the country. 🤫
BREAKING: Former Alabama Safety Peyton Woodyard has Committed to Oregon, he tells @On3sports The Class of 2024 Safety enrolled at Alabama in January Will have all 4 years of eligibility remaining on3.com/db/peyton-wood…
The average 30-year fixed mortgage rate slips to 7.28% Spread: 276 bps
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Housing market sees 30% inventory increase, yet still 35% below pre-pandemic LEFT: 1-year change in active housing inventory for sale (April '23 to April '24) RIGHT: Active inventory compared to pre-pandemic levels (April '19 to April '24) resiclubanalytics.com/p/housing-mark…
Dear lord, we have been asking for a debate since 2022, he would be nuts to take me on 🫡
@LoganMohtashami Do you think you'd be open to debating @nickgerli1 ? He's not an Anon?
I'm experimenting with animated data visualization. This is the YTD change in pending sales prices comparing the last three years. (The low point for the year is always Jan 1) What do you see?
Home Turnover will plummet over next 10 years as people stay put longer
Homeowners are staying in their homes longer; here is one reason. FHFA estimates New Mexico "lost" 6610 home sales between Q2 2022 and Q4 2023 due to "Lock-in Effect." @FHFA @ResidentialClub #newmexico
October 12th Who wins? Oregon vs Ohio State Autzen Stadium
The lock-in effect has impacted every housing market across the nation @FHFA researchers, including @wdoerner, published a 52-page working paper in looking at the lock-in effect—@ResidentialClub reached out to get their regional analysis ResiClub PRO resiclubanalytics.com/p/lockin-effec…
@ramzi1 I believe we see demand significantly outpacing supply thr next 5+ years… x.com/SFR_Investor/s…
U.S. Single-Family Housing Underdevelopment and Housing Crisis: The U.S. is facing a significant housing crisis that is going to take, at minimum, the next decade to resolve. Current estimates put the single-family housing shortage between 5 and 7 million homes. ‘For Sale’…
Question for all the Doomers: When is the housing market crash happening? I thought it was suppose to be in 2018. Then I heard 2019. Was for sure happening in 2020. Gov messed everything up and the crash got delayed to 2021. Narrowly escaped 21’ and it was clear as day going…
2024 reason? Sexless men, video games, and the Silver Tsunami, oh my! We have models for this; the video below will explain what to look for first before national home prices crash
Question for all the Doomers: When is the housing market crash happening? I thought it was suppose to be in 2018. Then I heard 2019. Was for sure happening in 2020. Gov messed everything up and the crash got delayed to 2021. Narrowly escaped 21’ and it was clear as day going…
Reggie Bush is getting his 2005 Heisman Trophy back✌️🏆‼️ Per: @PeteThamel
About damn time ✌🏼
BREAKING: Former USC RB Reggie Bush is getting his Heisman Trophy back, @PeteThamel reports🔥 on3.com/news/heisman-t…
Reggie Bush: "Personally, I'm thrilled to reunite with my fellow Heisman winners and be a part of the storied legacy of the Heisman Trophy, and I'm honored to return to the Heisman family. I also look forward to working together with the Heisman Trust to advance the values and…
Exclusive: Reggie Bush is getting his 2005 Heisman Trophy back, ESPN has learned, with a formal “reinstatement” of the trophy coming today. The decision comes amid what the Heisman Trust calls “enormous changes in the college football landscape.” es.pn/3w92KUR
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