That's a fair point, but I wonder if it depends more on timing and your specific situation rather than just lender flexibility. Like, how close are yo...

Good point there. Have you considered how comfortable you'd be if rates suddenly jumped up? Adjustable rates can feel like a bit of a gamble—great whe...

I've found lenders tend to be a bit more flexible during refinancing, honestly. Maybe because they already have your business and want to keep you aro...

That's true in a general sense, but isn't it a bit oversimplified to say cosmetic upgrades don't move the needle at all? Sure, lenders and appraisers ...

I've definitely noticed something similar—electronics purchases seem to raise flags more often. Maybe because they're pricier or frequently targeted f...