Haha, this hit home... I had a refinance drag on forever because it landed smack in the middle of Christmas and New Year's. Felt like the entire banki...

Interesting observation—I've seen something similar lately. Had a buyer recently whose credit was borderline, but their savings and employment history...

Couldn't agree more—especially about property assessments. I've helped clients dispute their assessments a few times, and honestly, it's a mixed bag. ...