Faxing still gets results, weird as it is. Had a lender ignore my emails for a week—sent the same docs by fax and got a call back within hours. I’m wi...

Totally get where you’re coming from. Here’s the thing: - “Character” can mean charm, but it can also mean 1920s plumbing that’s one flush away from ...

- That’s classic—banks have the weirdest priorities sometimes. - - Usually, I see lenders ask for 2-3 months, but lately, some have been requesti...

Honestly, half the time I’m convinced some of those names are made up on the spot. But here’s where I push back a bit: - Not every lender is upfront ...

I’ve seen a few folks actually walk away—usually after a lot of back and forth, when they realize the numbers just don’t make sense for them. It’s rar...

Went through something similar last year when refinancing my place. Couple quick thoughts: - Once you're comfortably in the "good" range, a few extra...

Fixed-rate definitely has its perks, but don't underestimate the flexibility of adjustable-rate loans either. A few years back, I had a client who ins...

Exactly. Assessors aren't blind—they'll notice obvious upgrades anyway. Stick to documenting clear issues or necessary repairs. No need to hand them r...

Tried both methods myself, and honestly, neither is perfect. A few thoughts from experience: - Debt-to-income ratio is mostly useful when you're prep...

Honestly, FHA tweaks usually lean toward paperwork headaches rather than big shifts in credit scores. But knowing how unpredictable things have been l...