Not gonna lie, the paperwork grind is real, but I’ve actually seen a few lenders loosen up a bit lately—especially if you’ve got a decent down payment...
Haha, the $17 Venmo thing cracks me up—I've seen underwriters get hung up on way less. Meanwhile, a random $5k deposit? Crickets. It does feel like a ...
Honestly, that’s a solid question. Mortgage insurance can definitely add up, especially with a lower score—FHA loans in particular don’t cut you much ...
Honestly, I wish there was a way to know which underwriters are going to go full detective mode. Sometimes it feels totally random—one deal, they bare...
NON-QM AS A BRIDGE: WORTH IT? That’s a solid breakdown. I’ve seen a few clients try the same thing—sometimes it works, sometimes it’s a headache. The...
I get where you’re coming from about those “off-the-record” convos, but I’m not totally convinced they always give the full picture either. Sometimes ...
Totally agree, chasing the “best” rate can be a bit of a red herring. I’ve seen folks get locked into loans with killer rates but then get hammered by...
Funny how home appliances seem to have a sixth sense for the absolute worst timing possible. Last winter, my heat pump decided it had enough right bef...
Yeah, bureaucracy can definitely feel like a moving target sometimes. Had a client last year who thought they'd covered every possible scenario, and t...
I totally get the paperwork headache—been there myself. Grants can definitely be worth it, especially if you're thinking long-term equity. But honestl...
Yeah, inspectors catch a lot, but they're not psychic...I've seen some weird stuff slip through too. Had a client once whose basement looked pristine ...
That's definitely true, discipline and budgeting are key, but I'd add a bit of caution here. I've seen plenty of homeowners start with a solid plan, o...
Good points there. I've seen plenty of folks put off estate planning, thinking they'll get to it "eventually," and then life throws a curveball. The t...
That's really frustrating and unfortunately, I've seen it happen more than once. Usually, it's because something changed in the borrower's financial s...