- Totally get that. I ran into the same thing—zero down looked great on paper, but then I saw how much extra I’d pay over time with the guarantee fee ...

- 100% agree with not sweating every tiny rate drop. - Seen folks hold out for “the perfect” rate, only to watch rates climb and regret it. - That...

Yeah, I hear you—“no doc” is almost never truly no doc. Lenders always seem to find a reason to ask for more, even if it’s just a couple months of ban...

- Not saying you’re wrong, but I’ve seen HOAs go way overboard too. Like, getting fined for a mailbox that’s “the wrong shade of white” or being told ...

Persistence and organization definitely matter, but I’ll be honest—sometimes it feels like lenders are just looking for reasons to say no, especially ...

- Totally agree with this: - I’m always skeptical when people say, “2025 is THE year.” Maybe, maybe not. Nobody predicted 2020, right? - If your ...

I get where you're coming from, but I’ve seen the opposite too. Sometimes that extra 20-30 points on your score can drop you into a better tier and sa...

- 100% agree, but I’ve never actually walked away just for fees—usually I push back and see what they’ll drop. - Once, a lender wouldn’t budge on a “c...

- The lump sum thing is what tripped me up too. Not everyone can just pull that kind of cash together, especially with everything else going on. - I g...

Title: Home Buying 101: Stuff I Wish I'd Known Beforehand Couldn’t agree more about those classes—people treat them like a chore, but they actually b...

- Honestly, lenders barely glance at projections because they're just educated guesses—too easy to manipulate. - Comps are concrete, verifiable data p...