From what I’ve seen, the timing of a bankruptcy really does matter, but not always in the way you’d expect. Most lenders care about how long it’s been...
Nailed it about transparency on fees—nothing worse than those “surprise” charges at closing. I’d add, don’t be afraid to ask for references from recen...
That’s interesting—my broker experience was similar in terms of options, but I actually found the paperwork less overwhelming than when I dealt direct...
Couldn’t agree more with the “boring is good” sentiment when it comes to mortgages. I refinanced last year out of a five-year balloon, thinking I’d se...
Funny how that works, right? I had a similar experience—one agent rattled off stats like a walking Zillow, but when I asked about HOA quirks, she just...
That’s pretty much spot on. When I refinanced last year, I ran into a “document prep fee” that just didn’t make sense—one lender wanted $450, another ...
You're spot on about buyers getting distracted by cosmetic upgrades—I refinanced recently, and even the appraiser seemed swayed by fresh paint and new...
I've had similar experiences. When we refinanced last year, the appraisal came in way lower than we expected—then another assessor gave us a totally d...
That's a good point about gradual implementation. When I refinanced last year, having some lead time to adapt made the process way less stressful... s...
I've had similar experiences. Banks definitely have their "non-negotiables," especially appraisal fees—those seem pretty set in stone. But you're righ...
I get your point about the long-term payoff, but honestly, refinancing isn't always the best move—even if you're sticking around for a while. When I r...
That's a great point—it's definitely something I've considered. When I refinanced my own property, I initially leaned toward a lower down payment to k...
Yeah, property tax appeals can be a bit of a gamble, but I'd suggest also looking into refinancing if you haven't already. Lowering your mortgage rate...
Calling the credit card companies is solid advice, definitely worth a shot. Another thing to consider if you're a homeowner is refinancing your mortga...
Refinanced through HARP about a year and a half ago, and personally, it was worth it. Fees weren't too bad, and the monthly savings made our budgeting...