Honestly, I’ve seen both sides too. Banks can be painfully slow, but you usually know what you’re getting—lots of paperwork, not much hand-holding. In...

Honestly, the way they zero in on random receipts cracks me up sometimes. Here’s what I’ve seen: - Underwriters seem to have a sixth sense for pickin...

Honestly, I’d push back a bit on the idea that all lenders are trying to hide stuff. Sure, some fees get bundled under “processing” or whatever, but i...

You nailed it—fees are rarely as “fixed” as they claim. I’ve seen lenders drop origination charges by half just because a client mentioned shopping ar...

Honestly, you’re not imagining things—online lenders really do tend to be more rigid about fees. The system’s set up to minimize human back-and-forth,...

- In my experience, local credit unions can be more flexible, but it really depends on their internal policies and how recent the bankruptcy was. - Bi...

Conforming Loans: Worth the Hassle (Mostly) That line made me laugh—so true. The “scavenger hunt” vibe is real, and I’ve watched plenty of folks ge...

Good point—seen this happen a lot. A few things I usually tell folks to keep in mind: - Refinancing costs can sneak up on you, and that break-even po...

Yep, seen it happen more often than you'd think. A small upfront investment in a proper survey seems annoying at first, but compared to legal fees lat...

Haha, dealing with underwriters can feel like a treasure hunt sometimes. Had a client once whose loan got held up because the deck steps were "irregul...