Honestly, the “no tax return” thing trips people up every time. Folks hear that and think it’s a breeze, but you nailed it—lenders still want a paper ...

Honestly, I’m with you on the MIP—it’s sneaky how much it adds up, especially if you’re not planning to refi soon. I’ve seen folks jump in with FHA ju...

Honestly, I get why people roll their eyes at all the paperwork, but it does make a difference. I had a client once who thought pre-qual was enough—lo...

Definitely agree—most of the time, it’s just a paperwork headache. I’ve seen underwriters ask for the weirdest explanations, but I haven’t actually se...

I get the appeal of “free” money, but sometimes those grants come with strings—like residency requirements or payback clauses if you move too soon. I’...

Honestly, I’ve seen those “processing” fees balloon for no real reason—sometimes it’s just a line item to see if you’ll notice. Pushing back is smart....

That lines up with what I’ve seen—online lenders can look cheaper upfront, but the fine print tells a different story. Did you notice any difference i...

Couldn't agree more with this point. I've seen plenty of folks assume that bringing in an outside appraisal instantly puts them in the clear, but asse...

I get what you're saying about emotional ROI, and it's definitely a valid point. But honestly, I've seen the opposite happen just as often—people stic...

That's a solid point. I've seen plenty of people jump straight into their dream jobs without a safety net, and honestly, it doesn't always end well. S...

Couldn't agree more on this point. I've seen plenty of folks skip surveys to save a few bucks upfront, only to end up in costly disputes later. It's l...