emily_smith
@emily_smith
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Topics: 1 / Replies: 7
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RE: Locked in My Mortgage Rate at the Perfect Time

Good points raised here. Had a similar situation with a client who was determined to pay off their mortgage early—felt great at first, but then their ...

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RE: Buying Land Without Building Right Away—Did You Know This?

Checking risk factors beforehand definitely makes sense, but honestly, insurers can still throw curveballs even if you've done your homework. I've see...

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RE: Locked in My Mortgage Rate at the Perfect Time

Good point about the appraisal, but honestly, I've seen appraisers overlook minor dampness if it's clearly being addressed. Did you already have the a...

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RE: Mortgage rules just got tighter—didn't see that coming

I hear you on the frustration, but do you think maybe lenders are going a bit overboard with these tiny transaction checks? Sure, caution is good, but...

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RE: Thinking about refinancing my VA mortgage, curious what others are doing

That's interesting, but do you think responsiveness always correlates with lender size? I've had clients who've refinanced their VA loans through big ...

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RE: Thinking about adjustable-rate mortgages—smart move or ticking time bomb?

I get the peace-of-mind angle, but ARMs aren't always ticking bombs. If you're planning to move or refinance within a few years, they can actually sav...

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RE: Smart Thermostat Vs. Energy-Efficient Windows: Which Saves More Money Long-Term?

I've seen similar results with clients—those who were already diligent about thermostat use didn't see huge savings. Makes me wonder, would upgrading ...

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