I've actually found that lenders outsourcing document prep isn't always a bad thing... sometimes it streamlines the process. But yeah, you're right—still gotta keep an eye out, because mistakes do happen. Had one fee removed just by asking politely about it.
Yeah, I've noticed that too—outsourcing can actually speed things up a bit. But you're right, gotta double-check everything. I once caught a random charge buried in the paperwork... asked nicely and poof, gone. Always worth a shot.
"I once caught a random charge buried in the paperwork... asked nicely and poof, gone."
Haha, good catch! It's honestly wild how often small things slip through unnoticed. I'm just starting out with home equity myself, so your experience is reassuring—definitely gonna keep my eyes peeled now. Thanks for sharing!
I'm just starting out with home equity myself, so your experience is reassuring—definitely gonna keep my eyes peeled now. Thanks for sharing!
Good advice overall, but I'd caution against assuming charges will always vanish just by asking nicely. I've had instances where I spotted questionable fees, politely raised the issue, and still had to escalate things formally... paperwork can be stubborn sometimes.
Yeah, good point—asking nicely doesn't always cut it. Curious though, did you find certain types of fees harder to dispute than others? When I refinanced last year, I noticed appraisal-related charges were especially tricky to question... felt like pulling teeth just to get a straight answer. Paperwork definitely has its own stubborn personality sometimes, haha.
