- Totally get your frustration—timing the market is always tricky, especially with appraisals. - Had a similar experience myself; appraisal came in lo...

Actually managed it once—here's what worked for me: - Got a fresh appraisal (had to pay out of pocket, ugh). - Submitted it directly to the lender. - ...

Exactly this. I once looked into a city-backed loan program for an investment property, and while the interest rate was tempting, the occupancy requir...

Yep, been there. Makes you wonder how much of appraisal is science vs. art (or mood!). Zillow's hit or miss, but at least it's free and quick for ball...

Interesting to hear both your experiences. I've mostly stuck with online lenders myself—haven't had any major hiccups yet, thankfully—but I can defini...

Haha, I feel your pain—been there myself. A few quick thoughts though: - Did you end up figuring out a good way to separate the home equity expenses ...

Had a similar experience myself: - Thought my 710 was solid until I saw the rate difference at 750+. - Did some digging and found that even a 20-point...