Man, I hear you on those “no out of pocket” deals. I’ve seen a lot of folks get surprised by how much more they end up paying over time. Years ago, I ...
That’s honestly one of the best ways to describe the process—watching paint dry is spot on. I see a lot of folks get impatient and jump in with a 580 ...
I totally get where you’re coming from—credit can bounce back, but losing your place is a whole different story. I’ve seen folks use things like forbe...
Totally agree—there’s always something on those reports, even if it’s just a sticky window or a scuffed baseboard. I always tell clients, don’t get to...
Yeah, I’ve seen that strategy work for some folks—get in with the minimum, then refi once things look better. The difference in monthly payment can be...
Yeah, algorithms definitely miss the mark sometimes. Had a similar thing happen in my area recently—there was talk of a new school district boundary l...
Ugh, those vague "processing fees" are the worst. Honestly, half the time even lenders themselves can't clearly explain what they're for—it's like som...
Definitely agree local lenders can be great, but I wouldn't completely rule out traditional banks. I've had clients with unique income situations who ...
Borrowing from friends can definitely work, but honestly, I think even clear repayment terms don't always save you from awkwardness. Money just has a ...
HARP wrapped up back in 2018, actually...so you're right, it's not around anymore. But honestly, if the numbers work for you now, that's what matters ...
That's a good point about zoning impacting lending—I’ve seen deals nearly fall apart because of unexpected zoning changes. Makes me wonder how often c...
I used to be in the same boat—thought paying off my mortgage early was the smartest move. But after chatting with a financial advisor friend, I realiz...
Totally agree with keeping an eye out for refinancing windows. ARMs can be a great tool, especially if you're planning to move or refinance within a f...
Good points overall, but I'd push back a bit on the 7-year rule. I've had clients who initially planned to stay long-term but ended up moving sooner d...