I swear, half those fees are just there to see if you’re paying attention. I once questioned a “courier fee” and suddenly it was “optional”—like, sinc...

Totally get where you’re coming from. It’s wild how much it depends on the person behind the desk. I’ve had lenders swear up and down it’s just a soft...

Exactly my thoughts. I mean, sure, tighter rules sound good on paper (pun intended), but do they really stop the shady stuff? Last time I refinanced, ...

Totally agree—it's crazy how many people skip over vacancy rates when crunching numbers. But honestly, even with reserves, unexpected repairs or tenan...

Really solid points here, especially about equity not being "free cash." Seen friends get burned by that mindset. But I wonder—what about smaller, DIY...

Clarity definitely shakes things up, especially when you realize how much of your home the bank still technically owns. When I first looked at my mort...

Honestly, I wouldn't jump straight to contacting the credit bureau or lender first. I'd probably start by filing a dispute online through the credit r...