Shawn Yu

MORTGAGE MERGER: Compass and Rate unite Guaranteed Rate Affinity and OriginPoint under the OriginPoint brand, creating a top-10 national retail lender connected to 80K+ agents and $200B+ in buy-side volume. 🤝📈

Temporary rate buy-down VS Permanent rate buy-down 🏡💰

Single family home prices in Noe Valley, San Francisco went vertical this year, now at $1971 per square foot Up 39.4% year over year

James Clear's one-line mantra for the days you don't feel like showing up. @JamesClear

1,200 lawyers. Over $2B in revenue. Winding down. In September I said legal hiring had basically stopped and partners were walking to rival firms. A month later Weil Gotshal is shutting. Some of those partners went straight to Sullivan & Cromwell. 600+ associates just hit a market that wasn't hiring to begin with. Brutal.

🚨#BREAKING: Outrage is erupting in Georgia after an HOA began fining a young family $25 PER DAY for GROWING VEGETABLES in their own yard to FEED THEIR KIDS... ...the family is now being charged $750 because the HOA said the vegetables were "unsightly" and they refused to remove them Yes, they planted peppers in their OWN FRONT YARD and their HOA is charging $25/day until it’s gone. Their names are Alex Duarte and Shawn Richardson, and they live in Acworth, Georgia. They grow peppers, tomatoes, habaneros, and herbs in trough gardens out front because in Alex's words, “We don’t have a lot of money. The economy’s really tight right now.” In June, the HOA’s community manager sent a notice telling them to remove the garden. So Alex Duarte asked what she could do. She offered to paint the beds ANY COLOR the board chose. She offered a wood surround. A brick surround. A rock surround. Anything to keep her garden. At an appeal meeting she recorded, the board said it had gotten FOUR complaints of "unsightly yard". So Alex asked them to define what was unsightly so they could reach a resolution. The answer: it’s not aesthetically pleasing. What about it? “All of it. It's all got to go." ...then on September 28th, the fines started. $25 a day. By a week before Halloween, the balance was approaching $750. So the family filed a complaint with the Secretary of State... but the meter keeps running. They can’t even put a sign in their yard. So they put up a Halloween tombstone for their garden instead. Alex’s words: “I don’t wanna lose one of the ways I feed my family because three people decided that they didn’t like my yard.” WHAT ARE WE DOING HERE?!!!!!!!!

Waiting for home prices to crash 50% like 2008? Here’s why it’s not happening: • 40% of US homes have NO mortgage • 70% of mortgaged homes are under 5% • 21% are under 3% Sellers with a $2k/mo payment aren't taking lowball bids just to take on a $5k/mo replacement. They just delist. #HousingMarket #RealEstate

NEW EPISODE: "Medicine is an art and a science. When I tell you my beliefs, what am I doing? It's much like the art side of medicine." -Dr. Jack Kruse 0:00 Jack Kruse 2:07 The Earth’s Weakening Magnetic Field 21:48 Where Magnetism Is Strongest 28:28 Carbonated & Deuterium-Depleted Water 35:58 Grounding & Building a Healthy Home 47:03 His Origin Story: Leptin & Getting Swatted 59:41 Mapping the Magnetic Field & Eating Local 1:06:27 Is Exercise a Waste of Time? 1:11:56 Melanin, Collagen & EMF at Home 1:36:12 The Leptin Reset, Blue Light & Supplements 1:49:31 Medicine’s Choke Points & the Planet’s Future

this is what the state of california does on some assistance programs for low income borrowers. it claws back a portion of the equity when the borrower wants to sell or pay it off. many people get stuck in these homes to avoid losing their equity. the loan you are referring makes that amount due at a certain point. wow!

Home equity sharing /co-investments are popping up everywhere as an alternative to a traditional mortgage or HELOC. However, these companies charge quite steep fees, and when you pay them off, the cost is often DOUBLE what a traditional loan would have been.

NEW: Instagram is reportedly offering YouTubers up to $500,000 to post their long-form videos on the platform.