VA appraisal and inspection get mixed up a lot. The VA appraisal is required—they want to make sure the place meets their minimum standards (no expose...

I get that it feels over the top, but lenders are under a microscope these days. The DSCR folks especially have to document every cent if you’re juggl...

Honestly, I’ve seen folks with 800+ scores get tripped up by something as simple as a recent job switch or an unexplained deposit. Lenders want to see...

Builder’s paper is decent, but honestly, I’d skip the old sheets and even the builder’s paper if you’re working on high-stakes areas like hardwood or ...

Honestly, I see a lot of folks underestimate just how fast those “little” repairs add up. Here’s what I usually tell buyers: right after closing, make...

I get where you’re coming from. That “grant circus” is real—seen plenty of buyers get tangled up in it. But I have watched a few folks make it through...

HARP officially ended back in 2018, but there are still similar refi options out there, like Fannie Mae's High LTV Refinance Option or Freddie Mac's E...

You're definitely not alone in crunching those numbers—I see it all the time. Honestly, it's smart to obsess a little. Refinancing to a shorter term c...

Yeah, building in a buffer is key. I've seen clients get caught off guard by appraisal adjustments too—those can really mess with your DSCR. Curious, ...