Yeah, you’re spot on about the big lenders—they’ve got their playbook and they rarely go off-script, no matter how much you try to negotiate. I get wh...

Couldn’t agree more. I’ve seen folks get tripped up by smaller lenders who just don’t know the ins and outs of H1B documentation, but then some big ba...

Venmo and mortgage paperwork—two things I never thought would end up in the same sentence, but here we are. I totally get where you’re coming from. Le...

Yeah, that's pretty common unfortunately. Big banks often have rigid processes and reps who aren't always familiar with the nuances of trusts or estat...

This is spot-on. I've seen this scenario play out countless times, especially with freelancers or anyone whose income doesn't fit neatly into the trad...

Good call being cautious—I've seen plenty of folks refinance and then slip back into old spending habits. It's great you recognized how those little e...

Tracking interest closely is a smart move. I've seen plenty of people surprised by how much of their monthly payment just disappears into interest. Au...

Good points all around, but honestly I've seen a few situations where refinancing doesn't pan out either. I had a client recently who was dead set on ...

Great advice on balloon payments—those can definitely blindside folks if they're not ready. One thing I'd add is to watch out for prepayment penalties...