Honestly, I’ve seen folks squeak through with a 580, but you’re right—it’s more like you’re picking from the leftovers. One thing I’d add: don’t under...

Honestly, you’re on the right track with that setup. I’ve seen too many folks get caught off guard when banks suddenly tighten up—HELOCs aren’t as rel...

Honestly, I’ve seen folks get lured in by those low ARM intro rates, only to get blindsided when the rate jumps later. The math can work if you know y...

I get where you’re coming from—sometimes a quick, confident answer is exactly what you want, especially if you’re knee-deep in listings and just need ...

Title: H1B Mortgage: Navigating Fees and Paperwork Those random fees are the worst—“courier fee” for digital docs is a classic. I’ve seen that more t...

You're spot-on about automated valuations—they're handy for a quick ballpark, but they miss the nuances. I've seen clients surprised when an appraisal...

Mine didn't exactly roll out the red carpet either, but I've seen this happen a lot. Usually lenders have some wiggle room, but they're not gonna volu...