You’re not wrong—these lenders really need to step up their game with document management. I’ve had docs “disappear” from portals too, and it’s madden...

Honestly, I get where you’re coming from, but I think there’s a bit of overkill with the prequalify push. I’ve seen folks get prequalified, fall in lo...

I get where you’re coming from, but I actually think there’s a bit more logic to it than it seems. You mentioned, In my experience, the underwriters ...

You’re right, it really can come down to which lender you’re dealing with and, honestly, who you get on the phone that day. I’ve been through this dan...

You make a solid point about benchmarks, but honestly, sometimes focusing too much on financial targets can hold you back. When I bought my first home...

I get what you're saying about lenders being cagey, but honestly, that's always been their game—even before these new rules came into play. When I ref...

Honestly, I see your point about holding back info, but from my experience, transparency usually pays off better in the long run. A few years ago, I t...

Honestly, it can feel that way sometimes. When we refinanced, the underwriter zeroed in on a $15 monthly subscription to some streaming service like i...

Had a similar thing happen with our AC unit—quit right in the middle of a heatwave, naturally just after warranty expired. Learned real quick that war...

Yeah, that's the part that really stings. Had a similar run-in myself when refinancing a few years back—everything seemed set, then suddenly they want...

Great points all around, especially about factoring in the stability of your situation. I refinanced my VA loan a couple years ago, and honestly, I wi...