Riding out the adjustment period is honestly a gamble I’ve seen too many people regret. Here’s how I usually look at it: - I always run the numbers f...

Yeah, I’ve seen some pretty odd stuff get flagged in underwriting. Had a client once who got questioned over a $150 Venmo from a friend for splitting ...

- Saw this play out with a client last year—she pushed for a bigger down payment right after her bankruptcy cleared, thinking it’d offset her credit. ...

I’ve seen folks obsess over a few points, but in practice: - Lenders really do care about those bracket jumps, not tiny changes. - I once had a clien...

Yeah, balloon mortgages can look pretty appealing in theory, but the reality can get messy fast. Here’s how I usually break it down for folks: - Lowe...