Title: Mortgage Rules Really Do Change With the Wind That’s been my experience too—one time, a lender grilled me about a $25 transfer from my buddy...

Honestly, I’ve seen that “DTI is a hard line” thing get tossed around so much, but in my experience it’s just not that black and white. Last year when...

I tried to time my last refi based on all the “expert” predictions—ended up waiting too long and rates crept up. Kinda burned me. I get wanting to cru...

I get the logic, but sometimes I wonder if we’re making it harder than it needs to be. When I refinanced last year, I tried to live normally—still use...