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- Massive AI Shifts for Mortgage Industry (and everyone else too)
Massive AI Shifts for Mortgage Industry (and everyone else too)
Those living through the fires, find joy where they look for it...
Todd Ballenger
December 12, 2025
"The reason why it's so important is because it's a benchmark that is measuring the performance of our models on realworld tasks"
The 74% Jump: How AI Becomes Your Ultimate Leverage
We often talk about financial leverage, but there is also operational leverage. The recent leap in AI performance - specifically with models like GPT 5.2 Pro- is about to completely reshape how we handle the "liability" of time-consuming work in real estate and mortgage lending (and financial planning).
We are moving past the days of asking AI to just "write an email." These new models can now execute entire, economically valuable projects.
Here is the reality of the shift:
The New Benchmark: In recent tests measuring real-world tasks (GDP-eval), these advanced models beat or tied human experts 74% of the time. This isn't just a small improvement; it is a massive jump in quality for complex, professional-level work. In the past, AI was judged as better by blind human reviews 48% of the time.
From Tasks to Projects: Instead of prompting a machine for a single answer, using this tech feels like handing off a complete project to a competent partner. Whether it is designing a full property sales brochure, auditing complex data in Excel, or building a competitor landscape for investment analysis, the AI can now handle the heavy lifting.
Why This Matters for Your Business:
Massive Efficiency Gains: Think of the manual administrative work that eats up your day as a "hidden cost" in your business. This technology helps eliminate that friction. It is the ULTIMATE LEVERAGE.
Cost Reduction: We are looking at a potential 400x reduction in operational costs for completing these tasks. That directly improves your business's cash flow. Imagine having your most important emails surfaced,with a response already written based on 20 years of your writing history and a presentation already created and ready to return to the client.
The Borrow Smart Takeaway: We always say you should stop selling products and start solving problems. By offloading the grind of design, data auditing, and administrative workflows to AI, you free yourself up to do what you do best: act as the Hub for your clients—the Advice Center. You can focus on the relationship, strategy, and advice, while the AI handles execution. This is your future, and it is here now!
We’re working on incorporating AI into workflows that will give you the ultimate leverage - first become a liability advisor, then use these tools to amplify your experience using trust and competency to build relationships with Realtors, Financial Advisors all why being of MASSIVE service to your clients… what’s the CTA? Keep learning.
a BORROW SMART CONCEPT
Purchasing Power (aka Inflation)
I’ve built two new calculators as part of our suite of tools to engage consumers and financial advisors.
Inflation: look at purchasing power over time, generally…
Housing - look at what you house would have cost in the past, and what it might be worth in the future!
cash continues to lose purchasing power
we are in a spike of cost and loss of purchasing power
LIABILITIES
What’s Happening?
the housing rates are persistently higher but moving back to mean for this period - likely high 5% range which is going to be great for housing
for now we are probably done with cuts till later in 2026 - Q2 unless recession hits
this one never fails me…
not sure if this is the top, we’lll see if they fall off or not?
REAL ESTATE
What’s Happening?
housing price reductions still growing - positive for affordability
people are figuring out where to move and that will equalize prices
optimism on the decline
jobs critical and at risk with AI shifts
most important chart in real estate
real estate as an investment outside your house, not doing so well
unless you are in private deals
ASSETS
What’s Happening?
a lot of money flowing into the market - more liquidity MOAR!
love this - hard to beat a balanced portfolio
not a political statement, this is from Twitter, but the reality is only those with a lot of money feel better about things, those without getting taken to the woodshed
ON BEING HUMAN
What’s Worth Sharing?
DOPAMEMES
And Other Happy Moments…
I now spend about 2.5 hours a day on YouTube, I’m an addict…
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