Good point—local agents usually know the quirks insurers won't openly share. Ever had an insurer suddenly flag a property for something totally random...

Yeah, lenders definitely look beyond just the property's numbers. Did they also dig into your credit history? I've seen lenders get really particular ...

I totally get what you're saying about the thermostat. I've had mine for a couple years now, and while it's handy, I find myself overriding it pretty ...

Totally agree about directly asking upfront—it's surprising how many people skip that step. Another thing to consider: have you checked if refinancing...

Good call on checking hardship programs—sometimes lenders have options they don't exactly advertise openly. Also, have you taken a peek at FHA streaml...