That’s awesome. I’ve seen some counselors really go the extra mile like that, but honestly, it’s not always the norm. Sometimes you get someone who ju...

It’s wild how much the experience can change from one lender to the next. I’ve had clients with all their ducks in a row—work permits, tax returns, yo...

Couldn’t agree more. I’ve had buyers who thought sending “extra” docs would help, but it just led to more questions from underwriters. One time, a cli...

Couldn’t agree more with this. I’ve watched so many folks get caught up in the “will rates drop next month?” guessing game, but honestly, it’s your ow...

Funny thing—I’ve actually seen the opposite play out a few times. Had a client last year, W-2 for years, lost her job two weeks before closing. The le...

Title: How I Figured Out How Much Faster I Could Pay Off My Mortgage That spreadsheet habit is way more common than you’d think—honestly, I tell folk...

Yeah, I’ve seen both sides of this coin too. Had a couple last year who thought going digital would be a breeze—ended up with more headaches than they...

Yeah, I've seen this happen more times than I'd like. Had a client a couple years back who was determined to push through with a similar credit score....

Refinancing can definitely be a mixed bag. I've seen clients breeze through it, and others hit roadblocks they never saw coming. Had one couple who th...

Totally agree with crunching numbers first—seen way too many folks jump into equity without doing the math and regret it later. A couple of years ago,...

Yeah, that's pretty much how I see it too. Early in my career, I used to be more relaxed about cash reserves—figured I'd just wing it if things got ti...

I get where you're coming from, but honestly, I've seen the opposite play out too. A client of mine opted for a lower down payment to keep cash handy,...

Went through something similar a few years back during the housing slump. I had a client who was dead-set on riding it out, thinking foreclosure would...