Exactly this. I’ve lost count of the times a “covered” repair dragged out for days because their contractor was MIA. At this point, I’d rather pay out...
Honestly, the inconsistency is wild, and I’ve seen it firsthand. One client with a valid EAD and steady job history got approved so fast it made my he...
Honestly, I get the urge to DIY and pinch pennies, but I’ve seen folks spend thousands on lawyers and still lose their homes. Sometimes, by the time y...
Couldn’t agree more. I had a client with a rock-solid job history, but because she switched companies (same role, better pay), the underwriter wanted ...
Honestly, I’ve seen folks get so hung up on shaving a quarter point off their rate that they forget about the $5k in fees they’re tacking on. Last yea...
Title: Is it worth using a new homes mortgage broker instead of going straight to a bank? Couldn’t agree more with this. I’ve seen too many buyers ...
Had a client last year who almost got burned by those “processing” and “origination” fees—two separate line items, both for basically the same paperwo...
Lenders get pretty fixated on the “strong file” thing after a bankruptcy, and honestly, they’re not wrong to watch your reserves. I’ve seen clients tr...
Couldn't agree more about checking future developments—seen plenty of buyers blindsided by sudden zoning changes or new subdivisions popping up. Anoth...
Yeah, interest-only can feel like treading water—you’re staying afloat but not really going anywhere. Paying principal might pinch a bit more each mon...
I've seen this happen more times than I can count. Honestly, lenders are all over the place with their policies. Some are super strict and flag every ...
Totally get the balance thing, but honestly, sometimes aggressively knocking out debt first can free up way more flexibility later. I did that and it ...
I tapped into my home's equity about five years ago to pay off some high-interest credit card debt, and honestly, it was a mixed bag. At first, it fel...
Couldn't agree more. I had a client who insisted on going adjustable because the initial rate looked so tempting. Fast forward a couple years, and he ...