That’s a really fair point. There’s definitely a balance to strike. In my experience, here’s how I usually approach it: 1. First, I review the closin...

I get where you’re coming from—after a while, the rate just becomes background noise. But I’ll admit, I’ve seen folks get caught off guard when rates ...

Locked in My Mortgage Rate at the Perfect Time I know exactly what you mean about the “crystal ball” thing. The number of times I’ve had clients (and...

Couldn't agree more on this. A few years ago, a client of mine skipped the independent survey because the seller had one done recently. Turns out, the...

You're spot on about the pizza-and-beer advice. I've seen plenty of well-intentioned friends give tax tips that were either outdated or just plain wro...

I get where you're coming from with the survey recommendation, but I wouldn't necessarily rush into it right away. Surveys can be pricey depending on ...

That's a fair caution, appraisals can definitely be hit or miss. Still, I'd say it's not always a waste to test the waters—especially if you've done s...

You're spot on about the assessor lottery—I've seen it happen more times than I can count. One client of mine had their appeal rejected outright, whil...

That's a solid approach—automation can definitely help curb spending impulses. Another thing to keep in mind is the total cost of refinancing itself. ...

I've tried tags before, and honestly, they can get messy if you're not super consistent. What worked better for me was a hybrid approach—monthly folde...