That’s spot on—predictability really does take some of the stress out of homebuying. I’ve seen people get lured by adjustable rates because the initia...

Really sharp advice here. I’ve seen lenders try to sneak in a “processing fee” or pad the appraisal cost, just like you mentioned. That attention to d...

Yeah, PMI can feel like throwing money into a black hole sometimes. Honestly, I'd prioritize HVAC over counters any day—especially if your system's ol...

Credit unions and community banks can indeed offer decent terms, but I'd caution against assuming they're always more flexible. In my experience, smal...