It’s wild how lenders just stick to their scripts, right? I’ve had clients with spotless credit and tons of equity, and the banks still wouldn’t budge...

I hear you on those closing costs—they can sneak up, especially with VA loans where folks assume everything’s “no cost.” Honestly, I think too many pe...

BANKS STILL LOVE THEIR PAPER TRAILS Yeah, the “box” is real, and it’s tighter than most folks realize. I’ve seen people get their hopes up with a shi...

It’s wild how many people skip those courses thinking they’re just a box to check, but there’s real value there. I’ve seen folks surprised by the diff...

Those HOA docs are something else, aren't they? Honestly, I sometimes wonder if they're intentionally designed to make your eyes glaze over so you mis...

Totally agree about checking county records—it's surprising how often easements or restrictions pop up that aren't obvious at first glance. I've seen ...

Good points there, especially about pushing back on appraisals. I've seen lenders get pretty stubborn about their numbers, even when reality clearly d...

Good points all around, but I'm curious—has anyone actually seen zoning changes directly lower their assessment? I've mostly seen the opposite happen....

Yeah, calculators are decent for a quick estimate, but honestly, they're pretty generic. I've seen clients underestimate their coverage because they d...