Honestly, I’ve had clients who feel a lot safer sticking with the big banks, even if it means waiting a couple extra days. One time, a client almost w...
That’s a solid point about watching the budget—rolling debt into a 15-year refi can really speed things up, but that higher payment isn’t for everyone...
That “max adjustment” line in the paperwork definitely catches people off guard—totally understandable. I’ve worked with a handful of clients who actu...
HOA Surprises Can Sneak Up on You This is spot-on. I’ve seen buyers get tripped up by special assessments or surprise fee hikes after closing, and ...
Totally get your frustration—I've seen clients go through similar headaches. It's tough when responsible borrowers end up feeling penalized by blanket...
Totally agree with this. Bi-weekly payments can be a real game-changer, especially if you're feeling stuck watching your balance barely budge. Another...
Property lines can be surprisingly tricky, even when you think you've got it all figured out. Had a client once who discovered their fence was actuall...
Smart thermostats are handy, but honestly, windows aren't always the biggest culprit. I've seen clients spend a fortune replacing windows when sealing...
I hear you on that one. When we refinanced a couple years ago, we thought our new energy-efficient windows and upgraded insulation would impress the a...
Totally get this. Stability can feel like a lifesaver, especially when life throws expensive curveballs your way (hello, emergency plumbing bills...)....
I've definitely been there with used appliances too—seemed like a great deal at first, but ended up costing me more in repairs than buying new would'v...
Couldn't agree more with this. I've seen clients tempted to cut corners on inspections, and it almost always comes back to bite them later. It's tough...
Yeah, prepayment penalties can definitely catch people off guard... seen it happen a lot. Curious, did your lender clearly disclose that penalty upfro...
Good points here overall, but I'd gently push back a bit on the idea that refinancing always means higher monthly payments. That usually happens if yo...