Yeah, I hear you. Every time I’ve gone for a mortgage, it’s like they want to see every dollar that’s ever touched my account. - Color-coded spreads...

Totally with you on the vague timelines—if a lender can’t give me a straight answer, I’m out. Here’s what I watch for: - Fees that keep changing or a...

Title: VA Appraisal ≠ Home Inspection—Big Difference - It still surprises me how many people think the VA appraiser is checking every nook and cranny...

- Yeah, the level of scrutiny is wild now. - Had a lender ask me to explain a $60 Venmo from my cousin—literally just pizza money. - I get the nee...

- 100% relate. After the third round of “missing doc” emails, I just let the system tell me what it wants. - Those portals are a black box half the ti...

- Honestly, I don’t think it’s just about who’s handling your file. - In my experience, a lot of lenders have outdated systems—stuff gets “lost” bec...

Negotiating with lenders isn’t totally wishful thinking, but it’s not like haggling at a flea market either. Here’s what I’ve seen: - Sometimes you c...