Smaller lenders definitely have more flexibility, especially with rural properties. Curious though—did the barn factor into your appraisal value signi...

Good insights here. I've noticed credit unions tend to be more flexible, especially if you're right on the edge with appraisal values or debt-to-incom...

When we refinanced last year, we had something similar happen. My wife sold an old bike online for around $200, and underwriting flagged that deposit ...

That's a fair take. Automation is great for keeping things running smoothly, but I've had my share of escrow hiccups too. Last year, my escrow account...

While it's true that lenders often remove questionable fees when confronted, I'd caution against assuming they'll always do so without fuss. In my exp...

You're right about the "no closing cost" refinances—usually it's just a marketing tactic. When I refinanced my VA loan last year, I found that lenders...