True, but I've found lenders can zone out if you hit them with too much detail upfront, even if it's well-organized. I usually start with a concise su...

You're definitely onto something there. From experience, lenders do use these spending labels as a quick snapshot—but honestly, they're more focused o...

Good call on the discipline part. I've seen plenty of folks tap into equity thinking they're home free, but without a solid plan, it's easy to slide b...

Good point about sanity vs. savings anxiety—seen plenty of folks stress themselves out chasing tiny rate drops. A few quick thoughts from experience: ...

Good points here. Freelancing definitely isn't the magic bullet some people make it out to be. A few things I've noticed from my own experience and se...

Yep, inspections are worth it even on new builds. I've seen clients catch missing insulation, faulty wiring, and even plumbing issues. Builders aren't...