Couldn’t agree more—peace of mind is underrated. That said, I always tell folks to be brutally honest with themselves about monthly payments. Zero dow...

Totally get what you mean about the lack of standardization being the real culprit. I’ve had a situation where I got all the paperwork in ahead of tim...

- You’re spot on about the “no out-of-pocket” thing—most folks don’t realize it just means the costs get rolled into the loan. - I’ve seen a lot of ...

I get where you’re coming from, but I’d push back a bit on the idea that “boring admin stuff” is always harmless. In my experience, vague fees—even if...