I swear, the first time I bought a duplex, they wanted a signed letter from my employer *and* a screenshot of my direct deposit—like, pick one, right?...
Yeah, you’re pretty much spot on with that. I’ve seen the same thing—housing counselors can be a lifesaver for folks who just need help sorting throug...
That’s the perfect way to put it. I’ve had buyers get super jazzed about solar, then totally ghost once the loan paperwork hits. Honestly, I haven’t s...
Yeah, I’ve run into that “company policy” wall too. Sometimes it feels like trying to haggle with a vending machine—just not happening. Still, I’ve ha...
Pre-approval really does change the game. I’ve been on both sides—buying and selling—and I can tell you, a solid pre-approval letter gets way more res...
Yeah, I hear you on the ARM stress. I’ve done both, and honestly, the “boring” fixed rate has saved me a few headaches over the years. One time I thou...
I totally get what you mean about those last-minute fees. The first time I bought a property, I was so anxious to close that I almost glossed over a “...
Totally get this. I once had to dig up an old insurance statement from two years ago because apparently my bank statements weren’t “official” enough. ...
Title: How I Figured Out How Much Faster I Could Pay Off My Mortgage Yeah, those prepayment penalties used to freak me out too, but honestly, most of...
Warranties are such a double-edged sword, right? I’ve had a couple save my bacon, but I’ve also had those moments where you realize the “coverage” is ...
I get where you’re coming from, but I’ve actually had a couple cash-out refis work out pretty well—just depends on what you do with the funds. Used on...
Haha, ain't that the truth. I refinanced mine last year and yeah, paperwork was a drag, but nothing compared to the nightmare of my old roof leaking m...
I refinanced a couple years back, and honestly, the peace of mind alone was worth it for me. Sure, the savings weren't massive each month, but knowing...
Yeah, asking upfront definitely helps, but honestly, even then lenders sometimes miss stuff or underestimate certain costs. I've found it's better to ...