Yeah, that tracks with what I’ve seen. Lenders usually don’t care about small stuff unless it’s a pattern or looks weird. But every now and then, you ...
I totally get this. I remember a couple I worked with who bought a 2-year-old home using a VA loan. They debated skipping the inspection to save cash,...
That line made me laugh, but it’s way too real. I’ve seen folks get tripped up by “phantom” late fees or payments that vanish and reappear. One thing ...
That’s the truth. I’ve seen folks get totally different answers from two lenders on the same street, just because one underwriter was in a better mood...
That’s honestly the best way to put it. I’ve seen folks pay hundreds more than they had to just because they didn’t want to seem “difficult.” It’s wil...
Totally get where you’re coming from. I always tell folks, “If you don’t understand a fee, ask until you do.” There’s nothing wrong with being thoroug...
Those random fees are wild, right? I remember seeing a “document prep fee” and thinking, aren’t you already getting paid to do this stuff? I did push ...
Yeah, those lender estimates can be a real eye-opener. I’ve seen folks get excited about shaving half a percent off their rate, then get hit with $4k ...
Man, those grant terms can be wild. I had a couple last year who were thrilled about this “forgivable” down payment assistance—until we dug into the f...
Honestly, it’s wild how much paperwork they want—sometimes I swear they just want to see if you’ll give up. I’ve seen folks get asked for the same doc...
Yeah, totally hear you on this one. I've had clients who felt like they were banging their heads against the wall with appraisals. But like you said, ...
Yeah, Zillow can definitely be all over the place sometimes. I've had clients who got excited seeing their home's value spike overnight, only to get a...
Yeah, patience is definitely key...had a client last year who went through a similar thing. He almost gave up halfway through, but we encouraged him t...
You're onto something there—appraisers are human too, after all. While lenders technically focus on numbers, a well-maintained property naturally sign...
Yeah, IRS rules can definitely feel like navigating a maze sometimes. I've had clients who were shocked to find out their HELOC-funded family vacation...