Funny, I was just talking to a client about this exact thing last week. They were super excited about the fresh paint and fancy light fixtures, but wh...
Couldn’t agree more. I’ve seen folks get tripped up by things like prepayment penalties or weird escrow requirements buried in the paperwork. One clie...
Yeah, I’ve seen folks get tripped up by stuff that seemed ancient, too. One client of mine had a bankruptcy from nearly a decade ago, but what really ...
I once had a client who almost paid double for their homeowner’s insurance because the lender “accidentally” switched the policy on their escrow state...
That’s a great point. I’ve seen folks get so fixated on shaving off 0.1% that they end up with a mortgage that doesn’t fit their actual life. Sometime...
Had a similar situation a couple years back—buyer was super anxious when the appraisal came in low, but the seller actually met us halfway after a few...
You're spot on about the adjustable rates causing stress down the line. Had a client a couple years back who was really tempted by one of those loans....
Totally get the Thanksgiving thing... I once had a client who borrowed from his brother-in-law for a down payment. Everything was peachy until the roo...
I get the point about compliance and audits, but honestly, isn't it getting a bit excessive? Had a buyer last month who got questioned over a $200 bir...
Had a similar experience myself a few years back. When I reached out to my lender about dropping PMI, they gave me the runaround—multiple calls, vague...
Yeah, learned that lesson myself a few years back. Thought refinancing was a no-brainer until I realized I'd basically reset my progress. Ended up bar...
Two years sounds reasonable on paper, but I've seen folks refinance thinking they'll stay put, only to have life throw a curveball—job changes, family...
Haha, been there myself. A few years back, I had a client who thought escrow was just another way banks tied up your money unnecessarily. Then boom—pr...
We had a similar experience when we redid our master bath. At first, we thought going big would boost resale value, but after talking to some appraise...
Yeah, those one-time close loans can definitely simplify things down the line, but from what I've seen, they're not always the easiest to qualify for ...