Had a client last year who swore by ARMs—said he’d never do fixed again after paying thousands to refi early. Honestly, I get it. But then I’ve seen f...

I hear this a lot—people feeling like they’re doing all the heavy lifting anyway, so why bother with a broker? Honestly, if you’re stuck combing throu...

Title: How tough is it to get a mortgage for a rental if your credit isn’t perfect? You’re not alone—sometimes I think underwriters just want to se...

PRE-APPROVAL VS PRE-QUALIFICATION: WHY DOES IT MATTER FOR HOME BUYERS? That’s a tough break, but honestly, you’re not alone. People get told all the ...

That “photo of your dog” thing is wild, but honestly, I’ve seen even stranger. Once had a lender ask a client for a selfie in front of their mailbox—l...

Honestly, it’s not all smoke and mirrors, but I get why it seems that way. Banks do react to economic shifts—Fed announcements, inflation data, even g...

You nailed it—asking for a breakdown is the smartest move you can make. I’ll admit, some fees are legit (underwriting, credit checks, etc.), but there...

I hear you on the calculators—sometimes I think they’re just there to give us a false sense of security. I’ve seen folks budget for every “what if” an...

Couldn’t agree more about the “boring” factor being underrated. I’ve seen so many folks get lured by those low ARM teaser rates, thinking they’ll refi...

Haha, I feel this one. My own "filing system" started out as a pile on the kitchen counter that eventually migrated into a random drawer—probably rela...

It's funny you mention that—I've seen underwriters flag the weirdest stuff too. Had a client once who had to explain a series of small payments labele...

Yeah, I've seen that happen more times than I'd like to admit. Banks are quick to protect themselves when markets get shaky. HELOCs can be a great too...