I get where you’re coming from—supply issues are definitely a huge factor. But I do think corporate buyers have changed the landscape, at least in my ...
That “nasty surprise” you mentioned is exactly what worries me about these grants. The residency requirement feels like a gamble, especially if your j...
Exciting News for Future Homeowners! I’ve been deep in the research rabbit hole lately, trying to figure out what’s actually worth the money. Gotta s...
Yeah, I’ve noticed the same thing—every lender seems to have their own definition of “original.” When I was gathering documents for my mortgage pre-ap...
It’s honestly reassuring to hear others have gone through this level of scrutiny. I’ve been gathering every bank statement and pay stub, double-checki...
That’s exactly what I’m worried about. I’ve started talking to a couple of brokers, and one seemed really focused on just two lenders. It made me wond...
That’s honestly the perfect way to put it. I had to send in a whole explanation letter for a $20 transfer labeled “dog food”—it was literally just me ...
I get the logic behind waiting for a better score, but I think it’s not always so black and white. When I ran the numbers for myself, the difference b...
Honestly, the paperwork nearly did me in. I thought I was organized, but every time I checked something off, three more things popped up. As for onlin...
That spreadsheet idea is genius—I’ve been doing something similar with a running doc, but a spreadsheet would make it way easier to spot those “extra”...
I ran into something similar when I was shopping for my first place—there was a “processing fee” that just showed up on the estimate, and when I asked...
I've been considering ARMs lately too, but as a first-time homebuyer, the uncertainty makes me hesitant. Did you find it difficult initially to weigh ...
I get your point about calculators, but I'd argue they're not entirely useless—just misunderstood. They're a decent starting point to give you a ballp...
I get your point about lenders becoming craftier, but I'm not entirely convinced tighter rules are the main culprit. From my experience as a first-tim...
I completely understand your caution—I'm currently weighing an ARM myself, and stories like your neighbor's definitely give me pause. Seems like caref...