That’s not overboard at all—trust me, spreadsheets have saved me more than once during audits. I once had to prove a roof replacement was actually an ...

Title: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses? I’ve run into this a few times, and...

Yeah, it’s wild how every lender seems to have their own secret checklist. I’ve had underwriters ask for stuff I’d never even heard of. It’s frustrati...

Totally agree, zoning changes can really sneak up on you. I've found that chatting with local business owners can also give you a heads-up—sometimes t...

Haha, relatable. Reminds me of the time I had to convince the assessor that a basement with a dirt floor wasn't exactly "finished living space." Took ...

Yeah, you're right—HARP wrapped up a while ago, think it was around 2018 or so. Pretty sure they replaced it with something called the High LTV Refina...

That's a really balanced take. I've tapped equity myself a couple of times, and you're right—discipline is key. A few years back, I got a bit carried ...

Yeah, your experience lines up pretty closely with mine. When we refinanced a couple years ago, I was worried about my credit card balances too—nothin...

I've wondered about that too... I mean, if it's something major like a whole new addition, you're probably better off mentioning it upfront to avoid h...