- 100% agree, but I’d add that sometimes lenders get weirdly picky even with high scores. - Seen folks with 760+ still get grilled over random depos...

Honestly, I get why you’d want a checklist upfront, but I’ve found that even the most detailed list doesn’t always cover what the underwriter will sud...

Couldn’t agree more about needing a buffer. I’ve seen too many people get burned by zero down, thinking they’ll just “figure it out.” A couple things ...

Exactly. I tried to play the “I’ll move before the adjustment” game too—spoiler: didn’t work. Fixed rates might seem boring, but sometimes boring is g...

Had a similar experience last year—thought switching insurers would help, but nope. Smaller company did seem more flexible, but honestly, the savings ...

Good point about checking surveys and deeds. A buddy of mine had a similar situation—thought he owned this nice little wooded area behind his house, t...

Good points overall, but a couple things to consider: - Credit rebuilding after bankruptcy isn't always straightforward—some lenders drag their feet ...

- Good points overall, but honestly, even regular check-ins with city planning departments aren't always reliable. I've seen situations where the depa...

Honestly, I wouldn't bank too heavily on windows boosting resale value. Had mine replaced a few years back—appraisal barely budged. Comfort improved, ...

- Good perspective, but refinancing isn't always a slam dunk. - Lower rates are tempting, sure, but watch out for those sneaky closing costs... - Just...