I've actually renegotiated loan terms mid-way through a project before. My lender was initially pretty rigid, but once I laid out clear reasons (unexp...

From my experience, it's usually a bit of both: - Internal guidelines are pretty rigid, especially post-2008. Lenders have tightened up their criteri...

Good tip on comps—saved me more than once. I'd also add: - Double-check the assessor's math (seriously, mistakes happen...) - Document any property q...

Exactly. A few things I've learned from experience: - Always request a detailed breakdown of your property's assessment—don't just accept the summary...

Good points here—appraisals definitely have a weirdly subjective element. I've seen properties I've developed swing wildly in value depending on who's...

- Good point about trusting the math—numbers rarely lie. I've seen plenty of cases where people hesitate because of upfront costs, but once they crunc...

Yep, totally normal—unfortunately. A few reasons I've noticed from experience: - Different departments handling docs separately (and not always commu...

Good points here, especially about personal situation being key. A couple things I'd add from experience: - Local market trends matter a lot—some are...

- Good points, especially about the psychological relief factor. - But how do you weigh the potential savings of waiting against the risk of rates cli...