I’ve run into the same thing—one lender treats your DTI like it’s gospel, and another actually looks at the bigger picture. I get why banks want to mi...
Honestly, yes. Half the time I’m convinced they write those emails just to confuse us into missing something important. I totally relate to keeping a ...
That’s been my experience too, and honestly, it makes me super cautious every time I start a new application. I once had an underwriter ask for a lett...
Honestly, I’ve had the opposite happen—one lender flagged my freelance income and basically tried to push me into a higher rate “just in case.” Super ...
I get where you’re coming from, but I still think people underestimate the long-term impact of rolling fees into a refi. Sure, it’s not always a trap,...
I get where you’re coming from, but I’ve seen those “small stuff” requests snowball. Once had a $50 Venmo to my sister turn into a week-long back-and-...
You’re totally right about those “creative” fees—they’re everywhere, and it’s honestly kind of infuriating. That “processing technology fee” is a new ...
Honestly, I get where you’re coming from—risk management is a big deal for lenders, and I’d rather they be picky than reckless. Still, some of these e...
I get where you’re coming from—there’s definitely a point where obsessing over every single line item can make you lose sight of the bigger traps. But...
Couldn’t agree more about the documentation grind—it’s a hassle, but honestly, I’d rather deal with a mountain of paperwork than risk a delay or, wors...
Temporary fencing is definitely worth the hassle, even if it doesn't look great. Learned that the hard way myself. A few years back, I bought a small ...
I've heard of people negotiating down some of those fees, especially things like origination charges or appraisal costs. But honestly, lenders can be ...
Completely agree that refinancing to a shorter term can be worth it for the interest savings alone. We made a similar switch last year, and I had a mo...
Totally relate to this. After my credit took a hit, I was tempted to rush back into buying ASAP, but honestly... waiting and rebuilding my credit firs...
Good advice, but I'm wondering—do you think relying on county records alone is enough when considering something like a home equity loan? I've seen so...