Mortgages discussions and local services.
maryr54
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RE: Mortgage Lenders vs Banks: Which Option Is Better for Buyers?
I get where you’re coming from on the non-bank fees - some of those “courier” charges are wild. But I’ve actually seen a few buyers get tripped up by credit unions, too. They’re great for transparency, but the slow pace ...
RE: Physicians are missing out on major tax savings with the wrong mortgage
I’ve seen this play out a few times with clients, especially newer docs just out of residency. The “no PMI” thing sounds like a win, but the higher interest rate can sneak up on you. I had one couple who jumped at a phys...
RE: How Do You Shop Around For Home Insurance - Or Do You Just Stick With The Same Company?
I’ve seen way too many clients get burned by just auto-renewing year after year. One couple I worked with had been with the same insurer for over a decade - never questioned it, just paid the bill. Then their basement fl...
RE: Why I went with a fixed rate mortgage (and maybe you should too?)
I’ve seen way too many folks get caught off guard by those “teaser” variable rates. One couple I worked with thought they were geniuses locking in at a super low rate, but two years later, their payment shot up and sudde...
RE: “High DTI means automatic denial”… right?
I’ve watched buyers with solid 1099 income get grilled way harder than folks with a W2 and a shakier job history. It’s wild - one client had years of steady freelance gigs, tax returns all lined up, but the lender just c...
RE: Home equity loans and taxes - did you know this?
Title: Home equity loans and taxes - did you know this? Totally agree about the IRS headaches. I’ve seen a couple clients get stuck during closings because they couldn’t find proof for things like new windows or a bathr...