Honestly, I get where you’re coming from—the paperwork can be a pain, and some of those “teacher deals” look better on paper than in practice. But I’v...

That’s a good point about the smaller lenders. I’ve seen folks get creative with portfolio lenders too—they’ll sometimes look past a dinged-up credit ...

I’ve actually seen a couple folks squeak by with scores in the 620s, but it’s usually with higher rates and more hoops to jump through. Lenders are de...

I’ve run into the 1099 proof-of-income headache with clients more times than I can count. Some online lenders will just ask for your last two years of...

Not all fees are just fluff, though—some really do go to third parties (like appraisers or title companies), and lenders can’t always cut those. I’ve ...

That's a good point about lender quality—I've seen some lenders really nail the digital experience, while others... not so much. It can definitely mak...

That's an interesting angle, and you're probably onto something with the regional differences. I've noticed lenders can be pretty quirky about escrow ...

That's a solid way to look at it, honestly. But do you think the tighter rules might end up pushing some genuinely good borrowers out of the market? I...

Totally feel you on this one. Bought a brand-new oven with one of those sleek touchscreen panels a couple years back, thinking it'd make cooking dinne...

Totally agree on the energy audit suggestion—it's surprising how often people overlook insulation and sealing. Have you also checked into rebates or i...

That's a good point—extra payments can definitely give you flexibility. Have you looked into whether your current lender applies extra payments direct...