Honestly, I’ve seen that happen—post-closing “surprise” requests are the stuff of nightmares. But I’ve actually had some luck with a dedicated point-o...

You nailed it—there’s a reason those fees are buried in paperwork thicker than a Texas summer. I’ve had clients who thought “processing fee” meant som...

Fixed rates really are the comfort food of mortgages—reliable, but sometimes a bit bland when you want flexibility. I’ve seen folks get hit with those...

I hear you on the long-term savings, but sometimes paying upfront isn’t all it’s cracked up to be. I’ve had clients who drained their emergency fund j...

Honestly, you nailed it with the “lottery” comparison. I’ve seen files that look like they were assembled by a NASA engineer still get flagged for the...

Yeah, the business expense deductions can be a real curveball. I’ve seen folks who write off everything but their morning coffee, then get blindsided ...

Had a client once who joked that refinancing was like hitting the “snooze” button on their mortgage. They stretched out the term, freed up some cash, ...

Funny you mention “no cost” refis—I always say, if it sounds too good to be true, it’s probably hiding in the APR. That’s putting it mildly. Ever see...

That chipped paint thing gets me every time too. I once had an appraiser flag a spot the size of a dime—behind a door, no less. I get that they’re try...