Totally agree about the “keep it boring” approach—honestly, that’s the best advice for anyone going through a refinance. I can’t tell you how many tim...
Totally get where you’re coming from—job stability is a huge factor, and honestly, the 1% rule doesn’t always cut it with how unpredictable repairs ca...
Tapping into home equity can be a double-edged sword, for sure. Here’s how I usually break it down for folks: - Variable rates are the wild card. The...
A lot of folks underestimate how unpredictable the market can get—timing a refi isn’t always in your control. I’ve seen people benefit from ARMs when ...
VA Loan Appraisal Surprises: Chipped Paint & Other Gotchas Totally agree with the “eagle eyes” comment—VA appraisers really do catch things most ...
Good catch—I've seen clients miss out on better rates because of tiny errors like that. A late payment wrongly reported or even a typo in your name/ad...
Agree with you there—triple glazing can be overkill unless you're in an area with extreme weather. Most buyers I work with barely notice window specs....
Good points there—it's definitely not always about chasing the lowest interest rate or shortest term. A few things I'd add from experience: - 20-year...
Good points all around. I've seen refinancing work wonders for some folks, but honestly, it can be tricky. Had a friend who refinanced, cleared debt, ...
Good point about lenders suddenly "finding" discounts—seen that happen plenty of times. A lot depends on timing and market conditions too. Sometimes r...
Totally agree on balancing emergency savings with debt repayment. A few things I've noticed from clients who've tackled this successfully: - Having a...
Totally relatable scenario...seen it happen to a lot of folks. ARMs can be great if your timeline is rock-solid, but life rarely sticks to the script....
Totally agree—seen way too many folks jump into French drains thinking they're a cure-all. A quick soil test or checking the natural runoff patterns d...
Good points—HELOCs can be tricky if you're not careful. Seen plenty of folks underestimate how quickly those interest-only payments can balloon. Fixed...
Totally agree—reviews are key. A few extra tips from experience: - Ask inspectors upfront if they'll climb onto roofs or into crawl spaces (some won't...