I totally get the escrow frustration. A couple years back, I refinanced and decided to waive escrow altogether, thinking it'd simplify things. It most...

This resonates with me. I've advised clients who felt stuck in that interest-only loop, and often, seeing a tangible drop in principal—like after a bo...

Yeah, HARP's been gone for a bit now, but honestly, you're not missing much. Had a client a few years back who jumped through all the hoops for HARP, ...

You're spot-on about smaller banks and credit unions being a bit more transparent. I've seen clients breeze through underwriting at local institutions...

This is spot-on. I've seen some pretty wild stuff over the years with loan approvals and credit checks. A client of mine once got flagged because the ...

You bring up a solid point about shortening the loan term—I’ve seen plenty of folks benefit from that strategy. But honestly, it’s not always the best...

Could be a skimmer, sure, but honestly banks flagging random international charges isn't always about theft. Had a client once whose kid accidentally ...

Keeping Separate Funds Was a Game-Changer for Me Too Yeah, having separate emergency funds for personal and business was a huge turning point for me....