I’ve definitely noticed that lenders treat origination fees like they’re set in stone, but I always wonder if that’s just part of their negotiation ta...

Totally get where you’re coming from. I used to think loyalty would mean something, too—like, maybe they’d throw in a discount or at least keep my rat...

I get the logic behind leaving old cards open, but isn’t there a point where too many unused accounts could actually hurt you? I’ve read that lenders ...

That’s interesting—honestly, I kind of lean the other way. I get that paperwork speed is crucial, but if I don’t have alerts, I’m always worried I’ll ...

That’s exactly how it felt for me too. Is it just me, or do they get extra suspicious if your credit isn’t spotless? I had to explain a $30 Venmo tran...

That’s exactly what I’ve noticed too. It’s like, you’re not skipping paperwork, you’re just swapping tax returns for bank statements or whatever else ...

Honestly, it really does feel like a moving target. I remember thinking I had everything lined up, then suddenly they wanted a utility bill in my name...

Since we're talking about these newer programs, does anyone know if the Enhanced Relief option has stricter credit score requirements than HARP did? I...

Interesting point about quarterly timing, but do you think lenders are really that driven by short-term quotas? I refinanced last year in the middle o...