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....