- Been there—after staring at mortgage pre-approval numbers for hours, I start seeing random decimals everywhere, even in my coffee. - I’ve had clie...

Mortgage Denied and No One Explained Why? Here’s What to Do Next Couldn’t agree more—if I had a dollar for every time I heard that line, I’d at lea...

Not sure I totally buy that it’s always a dead end with high DTI. I’ve seen underwriters get creative—sometimes they’ll let you pay off a small debt a...

- Totally get it—appliances are like pets, you never know which one’s going to act up next. - Budgeting for the “uh-oh” moments is smart. I’ve seen ...

Getting a mortgage for a rental with less-than-stellar credit is like trying to win a game of Monopoly when someone else already owns Boardwalk and Pa...

Totally get where you’re coming from—had a client once who swore by online lenders, but after three weeks of “just one more document” and surprise fee...

Honestly, I’ve seen clients get killer rates from those “who the heck is that?” lenders. Sometimes the service is a bit... let’s say, quirky, but the ...

Good points, but honestly, from what I've seen, it's less about the underwriter's mood or schedule and more about the overall strength of the borrower...

Totally agree with this. I've seen clients dip into equity for small stuff, and before they know it, they're financing vacations or new TVs—yikes. Hom...

Same here—thought I was being smart by upgrading my thermostat first, but turns out my ancient windows were practically open doors in winter. Lesson l...

Haha, totally get this. Reminds me of a client who tapped equity to renovate right before the market dipped—ouch. Numbers looked great on paper (Excel...