Resident Lending & Realty Inc. NMLS #394507

05/12/2026

Recently I was interviewed on a podcast by San Diego’s elite real estate team: Black Label Realty SD and it went smashing!

Here’s the episode it you’d like to watch me let it all out haha

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

05/11/2026

04/07/2026

I am Resident Lending.

I’m an independent loan originator, but let’s be clear: I don’t answer to a corporate board or chase vanity awards. I answer to you. My license hangs with Best Equity Inc. to keep things sharp and compliant, but the work, the quota, and the reputation are mine alone.

Why that matters for you:

Zero Middlemen: I handle the calls, the emails, and the "why is this happening?" moments myself.

High Tech, High Touch: We’ll FaceTime to talk strategy, and I send custom videos to break down the complex math so you actually understand your options.

The Finish Line: I don’t just "fund" loans; I show up at the closing table with the notary and a gift because this is a life event, not a line item.

I carry a Real Estate license too, which means I speak the same language as your agent (we’re a team, not rivals). I have the competitive drive of an Olympic athlete, but I channel that intensity into winning for my clients, not for a trophy case.

Being a "Resident" is a point of pride in San Diego. Let’s build a plan for your future.

02/13/2026

Productivity Problem

While AI may lead to sizable increases in labor productivity, that’s no reason to lower rates as Kevin Warsh suggests.

Productivity gains may not materialize, moreover the massive investment in AI/LLMs is pushing up prices for energy, chips, electrical equipment, plumbers, electricians, and so on.

Therefore, you probably see lower production costs from increased investment, and thus faster growth, but concomitant inflationary pressure.

To prevent it, rate hikes are likely. 📈

02/08/2026

The headlines, current events, and whirlwind of things happening all over are not easy to digest.

I’m making a bet on it:

The current tension, uncertainty & unknown future ahead that can be felt, has some unknown musician, an unknown performance artist, or rising artist in some field of expression, in the zone.

They’re writing the next hit album, song or scathing lyric that define this time in history.

Or make the biggest movie.

Write the best book.

Either way, it’s important to remember that during every major shift in history, the best of human expression is always created and delivered.

Think about the music and art that’s helped society evolve after major wars or civil strife. Most all your favorite songs and movies are based on nightmares and the hope for better.

Happy Super Bowl Sunday.

Look for Bad Bunny today ❤️🤘🏼

01/20/2026

🚨 Market Alert: Mortgage Rates Facing Upward Pressure

We’re seeing a significant shift in the market this morning. Mortgage rate sheets are expected to take a hit as the 10-year Treasury yield surged to 4.30%—its highest level in four months.

What’s driving this?

• Geopolitical Tension: Markets are reacting sharply to developments over the weekend regarding the administration's push for Greenland.
• Global Bond Sell-off: For the first time in a long while, bonds are losing their "safe haven" status as investors pull back globally.
• International Influence: A major crash in Japanese bonds (with 40-year debt hitting record highs above 4%) is spilling over into U.S. markets.

The Bottom Line: Reprice risk is HIGH today. If you are mid-process, we should discuss locking sooner rather than later. Expect continued volatility throughout the week.

01/08/2026

Tariff Totals

Two new academic studies analyzing tariffs essentially find that their indirect effects on production, consumption, and employment tend to swamp the effects on inflation. These studies find that tariffs tend to result in milder inflation or even deflation due to weaker manufacturing activity, reduced demand by business and households for imports due to higher prices, and slower employment growth because tariff shocks increase uncertainty felt by businesses.