That's a really good point. I've seen clients tap into equity for debt consolidation, and the ones who succeeded long-term usually had clear milestone...

Your approach sounds really solid. When I refinanced my own place a few years back, I had a client who was going through something similar at the same...

I've gotta say, while guidelines are definitely strict, I've seen some surprising flexibility when lenders really want a deal to happen. Had a client ...

Haha, trust me, I've seen worse—think pink flamingo wallpaper paired with mustard yellow fixtures (true story from a client's house). Anyway, tapping ...