Totally get the logic behind separate accounts, but honestly, underwriters can be overly picky no matter what you do. Last year, I had a payment label...

- Good points, but refinancing isn't always the safety net people think it is. - Had a friend who went through something similar—bought right after ba...

Interesting...my lender was pretty straightforward about the standard 20% equity rule, no mention of a two-year minimum either. Maybe yours has strict...

Totally agree with this. A few things to keep in mind from my experience: - Fiber plans can stall or get delayed for years—seen it happen firsthand. ...