Yeah, you're spot-on about credit utilization—I learned that one the hard way too. Another sneaky factor I've noticed is employment history stability....

Couldn't agree more with this. When we bought our property a few years back, we initially relied solely on the survey paperwork. It seemed thorough en...

In my experience, cosmetic updates alone rarely move the needle enough to ditch PMI. Appraisers tend to focus more on structural improvements or signi...

Fair point, but I'd caution against relying too heavily on FHA appraisals to catch everything. When I bought my first home, the FHA appraisal missed s...