I’ve run into that too—one lender asked for three years of 1099s, then still wanted a letter explaining every PayPal deposit. At some point, the “conv...
That’s definitely true—regulations are a much bigger deal than they used to be. I remember buying my first investment property back in 2012, and the p...
I get the spreadsheet chaos, but honestly, I think it’s worth slogging through the mess every couple years. I used to just stick with the same company...
That’s funny, I’ve had almost the exact opposite happen—one lender obsessed over a $40 office supply charge, but didn’t even blink at a $2k “consultin...
Funny you mention obsessing over rate shifts—I used to have a spreadsheet tracking every 0.05% move, thinking I was some kind of Wall Street wizard. I...
Pre-approval does help, but I’ve actually seen sellers get burned when buyers with “strong” pre-approvals still couldn’t close—usually because somethi...
I get the appeal of someone who’s just honest and straightforward, but I actually do pay attention to sales stats—maybe more than most. I’ve had agent...
Funny you mention the “walking home in the rain” part—been there, literally and figuratively. I remember back in 2018, I kept waiting for rates to dip...
That’s spot on. I’ve lost count of how many times I’ve seen “processing” or “courier” fees just vanish after a little pushback. One time, I even had a...
I get where you’re coming from, but I actually see some value in sticking with a lender even if they’re not flexible on every fee. Sometimes those “ri...
Yeah, I agree with this. I've learned over the years that small differences in interest rates can be deceptive at first glance. A couple years back, I...
Yeah, those calculators can be sneaky sometimes. I remember refinancing a VA loan a few years back—thought I had it all figured out until the actual p...
I've actually had a similar experience a couple years back. I was refinancing one of my rental properties and the appraisal came back shockingly low—l...
Haha, your snack reward system is genius. I refinanced a duplex last summer, and honestly, it felt like a never-ending game of whack-a-mole. Every tim...
That's a great point about aligning refinancing decisions with your life plans. A few years ago, I was in a similar boat—initially set on a fixed-rate...