You make a solid case for flexibility, and I totally get the appeal of lower monthly payments. But have you considered how much extra interest you're ...

Good points all around. I've had clients who initially hesitated because of the higher rates, but once they factored in the convenience and flexibilit...

Interesting point about momentum vs math. I've seen a lot of people start strong with avalanche because it makes sense on paper, but then motivation f...

Setting clear boundaries makes sense, but life has a funny way of stretching those lines, doesn't it? I've seen folks start with solid intentions, the...

Yeah, lenders can vary a ton on this stuff. It might partly be regional, but honestly, it's usually more about the lender's own internal guidelines an...

Good points about wallpaper—it can definitely be a gamble. Ever consider how something seemingly minor like wallpaper choice might impact an appraisal...

Haha, true, but have you considered the neighborhood factor? Sometimes cosmetic upgrades like flooring can matter more if they're matching or exceedin...

That's interesting because I've actually seen something similar happen with a client of mine. They were eager to refinance and ditch their mortgage in...