I get what you mean—local chatter can surface stuff you’d never catch in a headline or an app alert. That said, I still lean on apps for the bigger pi...

Couldn’t agree more. DTI gets all the attention, but underwriters are looking at the whole picture: - Strong credit scores can offset a higher DTI. -...

Couldn’t agree more on the “run the numbers twice” part. Here’s what I usually tell folks when they’re weighing a VA refi: - Break-even is everything...

Title: Home Equity Loans and Taxes—Did You Know This? Paper clutter is the bane of my existence too, but I hear you about keeping originals for certa...

I get where you're coming from, but I’d push back a bit on the FHA inspection part—sometimes it’s not as strict as folks expect. The appraiser checks ...

You nailed it—there’s always a tradeoff. Fixed rates can feel “safe,” but if you’re not planning to stay put, you might just be paying extra for stabi...