Home Loan Ninja

10/29/2026

“FORECLOSURES UP 42%!”

Well, that’ll get your attention while you’re drinking your coffee. 😳☕

But before we announce the return of 2008, let’s read past the headline.

ATTOM reported 5,794 bank repossessions in August 2026, up 42% from August last year.

That increase is real. It deserves attention.

So does the bigger picture.

Annual bank repossessions:

2010: 1,050,500
2019: 143,955
2025: 46,439

The 2025 total was roughly 96% below the 2010 peak.

And here’s another detail worth understanding:

“Foreclosure filings” includes default notices, scheduled auctions AND bank repossessions.

Those describe different stages of the process. A default notice doesn’t mean the bank has already taken the house.

Now, losing a home is a crisis for the person losing it. I’m not making light of that.

But a national housing-crash prediction needs more evidence than a scary percentage.

Up from what?
Over what period?
Which measurement?
And what’s happening locally?

Those are the questions I want answered before somebody uses a headline to make a major financial decision.

After 21 years in mortgages, I’ve learned that panic makes a lousy financial advisor.

So does blind optimism.

Let’s look at your actual situation and make a plan that leaves room for things to go differently than expected.

📲 Message me GAME PLAN. We’ll bring numbers. The comments section can bring its crystal ball. 🔮😂

Aaron Myhra | The Home Loan Ninja
NMLS #1062305
homeloanninja.com

Sources: ATTOM’s August 2026 and year-end 2025 foreclosure reports.

Aaron Myhra is a master of mortgage solutions. Known as the Home Loan Ninja, he has been helping buyers and homeowners navigate the mortgage process...

10/26/2026

A CLIENT VIDEO LIKE THIS? That’ll make my day. 🥷❤️

I just locked a HELOC for these clients, and they sent me this afterward. This is the part of the business that never gets old.

With the holidays coming, here’s something worth looking at:

You may have equity sitting in your house while you’re paying painfully high interest on credit cards or an auto loan.

A home equity line of credit could give you access to some of that equity without replacing your existing first mortgage.

And I have programs available at prime minus 1.5 percentage points for qualifying borrowers.

Yep. Every day that ends in Y. 😂

But a lower rate is only part of the conversation.

We need to look at fees, repayment terms, and total cost. Moving debt doesn’t erase it, and stretching payments out can cost more over time. A HELOC also puts your home behind that debt.

The goal is a better financial position heading into the holidays, with a plan for paying it back.

To my clients: Thank you for trusting me and sending this. I appreciate you. ❤️

📲 Message me EQUITY. Let’s see whether the numbers make sense for you.

Program availability and pricing are subject to change. Qualification and lender requirements apply. Variable rates can change with prime.

Aaron Myhra | The Home Loan Ninja
NMLS #1062305
HomeLoanNinja.com

10/20/2026

WELL, THAT WASN’T ON MY HOUSING BINGO CARD. 🤖🏡😂

We’re counting on AI to make things faster, easier, and eventually cheaper.

But first?

We have to build all the stuff that runs it.

Data centers need electricity, construction crews, materials, and a whole lot of money.

Housing needs some of those same resources.

So there’s an interesting wrinkle:

Building the technology that might eventually lower costs can create competition for resources along the way.

Economics apparently enjoys a little irony. 🤷‍♂️😂

Does that mean AI is going to make your next house more expensive?

That’s a much bigger claim than I’m making.

It’s a reminder that “technology will make everything cheaper” comes with a few moving parts and no guaranteed delivery date.

Same goes for “I’ll buy when rates drop.”
Or “I’ll wait until prices come down.”

Those things might happen. But what does your plan look like if they take longer than you expect?

Let’s look at what you can afford, what you can negotiate, and whether buying fits your life today.

Sometimes waiting makes sense.

It just deserves a better reason than assuming the future will be cheaper.

📲 Message me GAME PLAN. Let’s see what the numbers actually say. 🥷

Aaron Myhra | The Home Loan Ninja
NMLS #1062305
homeloanninja.com

10/19/2026

EVERYBODY'S WAITING FOR MORTGAGE RATES TO DROP. 🤦‍♂️🏠

Meanwhile, houses are still being bought and sold every single day.

Here's something a lot of buyers are overlooking.

You don't always have to wait for the market to give you a better payment.

Sometimes you can negotiate one.

Seller concessions. Temporary rate buydowns. Different loan structures.

There may be options worth exploring before you decide to sit on the sidelines for another six months.

Does that mean everybody should buy right now?

Hell no.

But it does mean you should understand the numbers before deciding you can't.

I'm the Home Loan Ninja, and helping people figure this stuff out is what I do.

Now serving homebuyers across most of the country through LendSmart.

Want to know what your options actually look like?

Let's have a conversation.

HomeLoanNinja.com

10/15/2026

Everybody misses the low rates.

Anybody miss competing against 17 offers and writing a love letter to somebody’s kitchen? 😂🏡

Every market has a catch.

When buyers pull back, there CAN be more room to negotiate with the right seller, on the right property.

A lower price.
Help with closing costs.
Seller-paid funds toward a rate buydown.

And yes, that includes TEMPORARY rate buydowns that can reduce your payments during the first year or two, depending on the program.

Sellers have been more than willing to offer concessions in some negotiations to help make those numbers work. It’s worth asking what a seller might contribute before assuming the payment is out of reach.

But here’s the conversation we need to have: What’s the FULL payment when that temporary buydown ends?

That payment still needs to fit your budget. You still need money left to live your life. And the plan needs to work even if rates don’t drop.

A seller saying YES doesn’t automatically make it a good deal for YOU.

But it could give us something worth working with. 🥷

So if you’ve been sitting this market out, it might be worth taking another look at the numbers.

You can explore your options without committing to buy anything. 🤷‍♂️

📲 Message me GAME PLAN. Let’s see what makes sense for you.

Aaron Myhra | The Home Loan Ninja
NMLS #1062305
homeloanninja.com

10/14/2026

“IT’S A TERRIBLE TIME TO BUY A HOUSE!”

Yep. Heard that one before. 😂🏡

Heard it in 2021, too.

Fannie Mae actually asks Americans about this every month.

September 2021? Only 28% thought it was a good time to buy.

January 2022? Just 25%.

“Prices are ridiculous!”
“Wait for the crash!”
“You’re crazy to buy right now!”

Meanwhile, mortgage rates were hanging around 3%.

A whole lot of people would LOVE to have that financing today.

Does that mean everyone should have bought back then?

Nope.

And it sure doesn’t mean everyone should buy right now.

But it does mean public opinion makes a pretty lousy financial plan. 🤷‍♂️

After 21 years in this business, here’s what I know:

The loudest person in the comments probably hasn’t looked at your income, your savings, your debts or your goals.

And their crystal ball works about as well as mine. 🔮😂

So let’s ask better questions.

Can you comfortably afford the FULL payment?

Will you have money left for repairs, emergencies and actually living your life?

Does buying fit your plans even if rates don’t drop and home values don’t climb?

THAT’S the conversation.

Sometimes the answer is BUY.
Sometimes it’s WAIT.
Sometimes it’s “Let’s get a few things in order first.”

All three are perfectly good answers when the numbers support them.

You don’t need the internet’s permission to buy a house.

You need honest advice and a plan that works for YOU.

Because the crowd doesn’t make your mortgage payment.

YOU DO. 🥷🏡

📲 Message me GAME PLAN. Let’s run YOUR numbers.

Aaron Myhra | The Home Loan Ninja
NMLS #1062305
HomeLoanNinja.com

10/13/2026

I miss those mortgage rates. The rest of that chapter? I’m good. 😂🏡

But here’s something I have access to RIGHT NOW:

HELOC programs with approval in as little as 5 minutes, funding in 5 business days, and rates as low as prime minus 1.5% for qualifying borrowers.

Got equity in your home? Let’s see whether one of these programs fits what you’re trying to accomplish. Terms, approval, and funding times depend on eligibility and lender requirements.

And while we’re reminiscing about 2.75%, let’s remember we can still make a game plan with the numbers in front of us.

Buying, refinancing, or just figuring out where you stand let’s have an honest conversation.

No crystal ball required. 🥷

📲 Message me GAME PLAN.

Aaron Myhra | The Home Loan Ninja
homeloanninja.com
NMLS #1062305

My team serves 49 states call or message me 📞

10/13/2026

I got an email from my printer today that stopped me in my tracks.

We've been working through the final details of getting my first book, Still ⚡ Building, ready for its November release.

At the very end of his email, Isaac wrote this:

"Jeff and I are big fans, and goddamnit I didn't think proofreading your book at 8am would make me tear up. Good s**t, man."

I read that a couple of times.

I've spent months putting pieces of my life on paper. Some I'm proud of. Some were painful to revisit. Some I've never really talked about publicly.

And when you put that much of yourself into something, you wonder whether any of it is going to connect with somebody else.

Then you get an email like that.

From a guy who's supposed to be checking the files and getting the damn thing printed.

I didn't write this book because I have life figured out. I wrote it because I don't.

I'm 53 years old, and I'm still trying to understand some of the things I've lived through while figuring out what I want to do with the years I have left.

If something I've written makes another man stop and think about his own life, then maybe sharing those stories was worth it.

Isaac, Jeff, thank you. You have no idea how much that meant to me.

November 16, 2026.

Still ⚡ Building.

This work is made possible by Home Loan Ninja.
HomeLoanNinja.com

10/09/2026

YOUR TRUCK PAYMENT MIGHT BE THE THING KEEPING YOU OUT OF A HOUSE. 🥷🏠

I’m about to make a few truck owners mad. 😂

I hear it all the time: “Aaron, I’m waiting until mortgage rates get back under 6%.”

I get it. Rates matter. But let’s run the numbers on a $400,000 mortgage:

🏠 At 5.99%: about $2,396/month
🏠 At 7.25%: about $2,729/month

That’s a difference of $333 a month in principal and interest.

Now look at the $765 car payment sitting in your driveway. If you traded into a reliable vehicle with a payment around $432, there’s your $333.

“But Aaron, I love my truck.”

I know you do. I love a nice ride too. I’m just asking you to be honest about what you want more.

A car typically loses value. A home can build equity over time, although appreciation is never guaranteed.

And yes, you can park a $28,000 truck in front of a $400,000 house. Nobody at the closing table is checking whether your truck is cool enough.

This trade won’t work for everyone. Your actual loan approval depends on more than the monthly payment, and buying a house has costs beyond principal and interest.

But if homeownership is the goal, let’s look at the whole picture before blaming the rate.

📲 Text me TRUCK. We’ll run your numbers and see what’s possible.

Contact number in bio ☝️

Authority is Advantage ⚡

Aaron Myhra | Home Loan Ninja
NMLS #1062305

10/06/2026

Buying your first home should feel exciting, not overwhelming.

Ashley’s review says exactly what I want every client to feel at the end of the process:

“It was a breeze.”

That comes from clear communication, good strategy, and making sure you understand what is happening from start to finish.

And right now, I am adding something extra.

I am offering a FREE first year rate buydown of a FULL percent for qualified homebuyers.

If you are getting ready to buy, already under contract, or just want a second opinion on the financing you have been quoted, reach out.

Now lending in 49 states.

Straight answers. Clear strategy. No unnecessary pressure.

Home Loan Ninja
homeloanninja.com
NMLS #1062305