Honestly, I get the appeal of conforming loans for the average buyer, and yeah, predictability is nice. But I think people overlook how much flexibili...

Honestly, I’ve had underwriters accept a good letter too, but I wouldn’t bet the farm on it. Last year, I had a deal where the buyer explained a weird...

Couldn’t agree more. I’ve run into “admin fees” on non-conforming deals that literally had no explanation—just a line item and a shrug from the lender...