Yeah, totally agree. It's almost like they're playing catch-up. Plus, with tech constantly evolving, what's considered a "home improvement" today migh...

Yeah, getting organized early definitely helps, but I'm curious—did your lender ask for anything unexpected later on? I've had my docs neatly lined up...

Good point about the fine print... lenders can be sneaky sometimes. I've seen loan mods that look great upfront but have balloon payments tucked away ...

Yeah, that's spot on. Optimism can definitely skew people's perceptions—especially when they're eyeing lower monthly payments. I've noticed folks ofte...