Good point about portfolio loans—definitely worth exploring. Another route I've used when traditional lending felt too restrictive is private lending....

Yeah, totally get that frustration. I've been through this dance more times than I'd like to admit, and trust me, it does get easier. One thing that's...

Timing the market is always a bit of a gamble. I've seen folks sweat bullets right after locking in, only to breathe easy months down the road. Had on...

You're spot on about lender confidence—it's a delicate balance. I've seen markets tighten up firsthand when lenders get nervous. But don't stress too ...

Interesting points all around. When I refinanced a couple years back, splitting seemed attractive at first glance because of the lower initial rate, b...