Completely agree—timing extra payments can be tricky, especially with fluctuating income. I've seen clients hesitate because they're unsure if they'll...

True, smaller lenders can be great, but keep in mind they're not always the best fit. I've seen cases where their flexibility comes with stricter term...

That's a really good point about balancing intuition with practical analysis. I've noticed something similar with my clients when they're house huntin...

That's a good point about smaller receipts. I've seen similar situations with clients dealing with home equity loans—especially when they're using the...

I completely agree about the padding—it's always better to be safe than sorry, especially when it comes to plumbing and electrical. A few years back, ...

That's a solid tip—it's surprising how many homeowners overlook that simple calculation. One thing I'd add, though, is to be cautious about relying to...