I get where you’re coming from, but I think the “wait until you’re sure you’ll stay” advice can be a bit too rigid sometimes. There are scenarios wher...

Had a project last year where we were literally at the finish line, and then the underwriter asked for three years’ worth of utility bills from the se...

That’s the part that always gets glossed over in the sales pitch, isn’t it? I’ve seen buyers get excited about “free” money, only to realize later the...

You’re not wrong about the documentation—it can feel like overkill, but I get why it’s there. I’ve seen deals fall apart because someone tried to cut ...

Rolling credit cards into a new mortgage: worth it? I hear you on the temptation—those zero balances can feel like a fresh start, but it’s a slippery...

Not always, honestly. The numbers can look tempting on paper, but once you factor in closing costs, legal fees, and the “miscellaneous” line items len...

You nailed it—those little rate changes can sneak up on you and really shift the numbers over time. I’ve watched folks get dazzled by a low intro rate...