- Agree on the “months in advance” part. I started moving my savings into one account about 4 months before I even talked to a lender. Made the paper ...

- I totally get the frustration with having to document every little thing, but it’s wild how much scrutiny there is now. - I’ve started keeping a s...

Here’s how I’d break it down: - Interest rates: If you locked in a low mortgage rate, a home equity loan or HELOC could be a lot higher right now. Th...

Honestly, I’ve been that person glued to spreadsheets, running every scenario to find the “best” time. Here’s what actually happened for me last year:...