I've seen ARMs go both ways, honestly. Had a client a few years back who was dead set on selling within five years, so he jumped on an ARM to snag a l...

Lenders definitely like seeing a bigger down payment after bankruptcy, but honestly, it's not a magic bullet. Had a client once who put down nearly 30...

I've seen similar situations, but honestly, closing one old credit card usually doesn't cause a huge drop unless it was your oldest account or had a h...

Had a similar situation a few years back when refinancing my own place. The appraiser was so busy jotting down notes about the kitchen remodel that he...

Yeah, timing can be tricky with refinancing. Had a client last year who jumped into refinancing his VA loan right after a promotion at work. He was ex...

Yeah, that's spot-on. Had a client once who was so organized you'd think he was preparing a court case—had every single doc perfectly filed, yet the b...