I’ve seen this play out firsthand with some of my clients over the last couple years. There was this young couple—first-time buyers, super excited, pr...

That’s exactly the kind of gray area that keeps people up at night, right? I’ve watched clients tie themselves in knots over what counts as an “improv...

Right? I once had an underwriter ask about a $12 PayPal labeled “pizza night”—they wanted to know if it was a business expense. Sometimes I wonder if ...

Honestly, I’ve seen folks get really excited about the lower rates, but they don’t always factor in the closing costs or what happens if home values d...

Had a client once who was self-employed for years—solid income, but the lender just couldn’t get past the DTI because of student loans. We tried the “...

I get where you’re coming from, but honestly, I think the “hidden fee” thing isn’t always as shady as it seems. Sometimes it’s just a matter of how th...

I’ve watched people chase that extra 10 points on their credit, thinking it’ll make a huge difference, only to see rates spike out of nowhere. Had a c...

Mortgage math really is sneaky... reminds me of a client I had last year who thought he'd scored big with a lender offering a slightly lower rate. Tur...