Yeah, smaller lenders can be flexible, but I've found they sometimes change terms mid-process, which can be a headache. Ever had a lender suddenly shi...

Yeah, appraisals can be weirdly hit-or-miss. When I refinanced last year, the appraiser barely glanced at the new insulation and HVAC system I'd put i...

Good points about the solar panel credits vs deductions—lots of folks mix those up. I've seen similar situations where people got caught off guard bec...