Honestly, I don’t think a full fee breakdown always tells the whole story. Some lenders bury costs in weird places or use confusing terms. I’ve seen “...
Title: Before You Buy a Home, Read This — DHM Exposes the Hidden Costs Nobody Warns You About That HOA initiation fee gets a lot of people. For me, i...
Title: Does an old bankruptcy matter more than a recent one? Honestly, I get where you’re coming from, but I don’t think it’s just about one slip-u...
Couldn’t agree more. Waiting for some magic moment to buy or refi just leads to analysis paralysis. I’ve watched folks try to time it and miss out on ...
Honestly, there kind of is. You don’t realize how many random things can go sideways until you’ve owned a few places. I’ve had a furnace quit in the m...
Yeah, those “junk fees” add up fast. I’ve seen everything from “courier fee” to “processing fee”—half the time, it’s just someone clicking a button. B...
That’s the key right there. If cash flow’s tight, sometimes stretching out the loan is the only play that makes sense. But if you’re just chasing a lo...
Good point about the break-even, but honestly, IRRRLs usually have pretty low closing costs compared to traditional refis. I've done a couple myself, ...
Totally agree on the grant delays—seen it happen more times than I can count. Another thing to keep in mind is that some grants come with strings atta...
Couldn't agree more. I've used ARMs multiple times, and honestly, the key was always having a clear exit strategy or at least a solid contingency in p...
Exactly. Had a similar experience recently—offered concessions to fill vacancies quicker and explained clearly to the lender that it was just a short-...
Solid advice right there. I'd also add that HARP technically ended a while back (2018, I think?), but there are still similar programs out there like ...
I've found being direct usually works better for me. Last year, I was working on a refi and the lender was dragging their heels big time. After weeks ...
We redid our master bath a few years back purely because we hated the old layout—didn't even think about resale at the time. Fast forward, when we sol...