I get what you’re saying about the risk—using your house as collateral to pay off unsecured debt can definitely backfire if things get tight. But some...
That’s classic. I’ve seen lenders ask for explanations on the tiniest deposits—like, they want a letter for every random $50 Venmo. Honestly, it’s a m...
Title: How H1B Visa Holders Can Qualify for a Mortgage Yeah, I’ve seen lenders get hung up on the weirdest details—one time they wanted a client’s co...
I’ve seen e-signatures get rejected, but it really depends on the lender and the type of document. Some are cool with digital for disclosures, but whe...
Totally get where you’re coming from—sometimes “boring” is exactly what you want when it comes to escrow. I’ve had clients who went with smaller outfi...
Yeah, I've seen lenders hover around that 20% mark too, but honestly, it can vary quite a bit depending on the lender and even the local market. Had a...
Yeah, mixing both worked best for me too. Started with avalanche thinking it was the "smart" choice, but honestly, motivation tanked after a few month...
You make some solid points, but honestly, tapping home equity isn't always a bad move. If you're strategic—like using it to consolidate high-interest ...
Haha, totally get it—homeownership is basically a never-ending rabbit hole. But honestly, tapping into equity can be smart if you're strategic about i...
Totally get where you're coming from, especially with the uncertainty around home values these days. But honestly, cosmetic upgrades aren't always jus...
Totally agree with you on this. I've seen it go both ways, honestly. Had a client last year who was dead set on buying a place ASAP, but after we talk...
Yeah, that's a solid point. I've seen clients who initially loved their ARM because of the lower payments, but when rates jumped unexpectedly, they we...
You're right, there's definitely a fine line there. I've seen homeowners tap equity for essential repairs like roofs or plumbing, and it usually pays ...
Had a client recently who went through the reconsideration process—submitted receipts, before-and-after photos, the whole nine yards. Appraiser barely...
Good point about documenting clearly, but honestly, banks can be pretty inconsistent. I've seen clients with detailed hardship letters still get denie...