It’s true, lenders are definitely more accustomed to seeing all sorts of non-traditional income now. I’ve had clients who were nervous about showing P...

It really is wild how many of these fees are negotiable, or just plain unnecessary. I’ve seen buyers get charged “courier fees” for documents that wer...

Gut instinct definitely has its place, but I think you’re right—sometimes those “off-the-record” chats with past clients reveal a lot more than any po...

Interesting points, but I'd be cautious about assuming gazebos or small outbuildings always boost appraisal values significantly. I've seen cases wher...

I completely understand the caution here, especially given the history with interest-only loans and the 2008 crash. I've worked with several buyers wh...

This is spot-on advice. I've seen this scenario play out multiple times with clients, and your experience mirrors what I've observed in practice. Peop...

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...