Honestly, I get why people swear by certified mail, but those fees add up fast—especially if you’re sending multiple docs. Here’s the thing: I’ve had ...
- I get the appeal of banks for peace of mind, but man, those fees add up fast. - Independent escrow saved me a chunk on my last deal—no frills, but...
Yeah, I get what you mean—. - Even with everything in order, I had a lender throw extra hoops my way last year. - They wanted updated employment lett...
Honestly, I get why people track everything, but sometimes all that spreadsheet work feels like overkill. I just call around every couple years and as...
Honestly, I get where you’re coming from. But as someone who’s always watching the bottom line, I’d rather “obsess over every decimal point” than risk...
- Been there. Had to send in a screenshot for a $15 Zelle labeled “dog food.” Lender flagged it like I was running a side hustle in pet supplies. - Th...
Totally agree. I once had a lender try to slip in a “processing” fee that was almost $900. Here’s what worked for me: - Asked for every fee in writin...
- 100% agree on the fine print. Some of those “forgivable” grants are only forgivable if you stay put for like 10 years. Move early? Suddenly it’s pay...
- 100% on questioning random fees. - Some of these charges are just “because they can”—I had a $75 “courier fee” and everything was digital. - If ...
Honestly, lenders aren't totally off-base here. Sure, questioning every latte seems petty, but small expenses do add up fast. When I was prepping for ...
This is key. Interest-only can feel like treading water if you're not careful. I'd also suggest aggressively saving any extra cash you can—makes trans...
I get what you're saying, but honestly, clarity isn't the real issue here. Even if lenders spelled everything out perfectly, tighter rules still mean ...
Exactly this. Equity tapping isn't automatically a bad move, but it's not a free pass either. I've seen friends refinance to clear debt, and the ones ...
Totally relate to this. Had a similar situation myself—kept waiting for the "perfect" rate, missed a solid deal, and ended up paying more later. Now I...
Good points, but honestly FHA inspections can feel like a roll of the dice sometimes. Had one inspector nitpick about a missing outlet cover (easy fix...