Couldn’t agree more with this. I’ve seen clients come in after using those “quick fix” services, and their credit reports are a mess—sometimes worse t...
I totally get what you mean about the random stuff lenders flag. I had a client last year who got questioned about a $20 birthday Venmo from her siste...
Honestly, I think it’s a mix of both. Some folks are just wired to squirrel away every penny, while others get hit with those “surprise” expenses that...
Not always the case, honestly. I’ve seen folks get approved with side gig income, but you’re right—it’s a paperwork maze. If you can show a solid two-...
Honestly, I’ve seen this a lot—some lenders treat a past bankruptcy as a non-issue if your credit’s been solid for years, while others seem to dwell o...
You nailed it with the “choose-your-own-adventure” comparison. I’ve seen so many clients get tripped up by random fees or cryptic line items—sometimes...
I totally get what you mean about not knowing what’s missing until you need it. I had a client last year who went with a super cheap policy, thinking ...
I get where you’re coming from about the VA appraisal covering the basics, but I’d push back a bit on relying solely on that. The VA appraiser’s main ...
Honestly, you’re not alone—lots of first-timers feel the same way about ARMs. Fixed rates might cost a bit more upfront, but there’s something to be s...
I hear you on the emergency fund—having cash on hand when the furnace goes out is a lifesaver. Still, I've seen people find a middle ground by setting...
Honestly, I get where you’re coming from, but I’ve seen folks get so caught up in “buying time” that they end up missing out on better solutions. Some...
Yeah, it’s wild what gets flagged—sometimes I think lenders are just looking for any reason to ask questions. But you’re spot on: keeping things “bori...
Those HOA docs are wild, right? I’ve seen rules about everything from garden gnome height to “acceptable” shades of beige. It’s like a secret society ...
I've definitely been there—contractor delays can be a real headache, especially when you're juggling multiple projects. One clause that's helped me a ...
That's a good point about appraisals. From what I've seen, most non-traditional loans still require some kind of appraisal or inspection, but they mig...