Did something similar a while back—held off refinancing for about three months to bump my score up. Honestly, didn't think it'd make much difference, ...

Yeah, that's a fair point. I've noticed smaller places can sometimes have slightly higher rates or fewer specialized loan products compared to big ban...

Had a client once whose basement flooded—total nightmare. She kept a fireproof safe down there, and while it wasn't exactly fire-tested, it actually k...

Haha, man, I hear you loud and clear on this one. Commission-based incomes seem to throw some lenders into a complete tailspin—it's like their systems...

Haha, spreadsheet purgatory is right...been there more times than I'd like to admit. But honestly, you're doing exactly what you should be—taking cont...

Yeah, I get your point about clarity helping with underwriting, but honestly, I think this whole labeling scrutiny is getting a bit out of hand. I mea...

I get what you're saying about paying extra, but honestly, sometimes that extra $75 or $100 a month isn't the smartest move for everyone. If your inte...

Yeah, having a clear exit strategy is a solid move. Banks are always weighing up risk, and showing you've genuinely thought ahead gives them confidenc...