Honestly, your concern about smaller escrow outfits going under isn’t just paranoia—it’s happened, though it’s rare. I’ve seen one case where a local ...
Honestly, I’ve had better luck with social media than phone calls, but it does feel weird blasting your personal stuff out there. If you’re worried ab...
That’s a really honest take. I’ve seen a lot of folks get caught off guard by how much PMI and higher rates can eat into your monthly budget—especiall...
This is spot on. I’ve seen people get so focused on snagging a low rate that they miss the bigger picture. Lenders can get creative with those “miscel...
I’ve actually crunched those numbers for a couple of clients, and it’s surprising how often the “get in now, refi later” move pays off—especially if y...
Yeah, I hear you on the lack of transparency. I had a client last year who got denied after jumping through every hoop—clean credit, solid income, eve...
Honestly, I’ve seen folks get those fees reduced just by being stubborn, but it’s rare. Most lenders treat them as non-negotiable, even though half th...
Credit scores, job types, and how they mess with your mortgage rate You’re spot on—banks are still stuck in the old mindset where a W-2 equals stab...
Honestly, you’re not wrong—sometimes it feels like you’re just rolling the dice and hoping you get the one person in the office who actually knows wha...
Totally get where you’re coming from. It’s wild how some folks can talk a good game but then disappear when you actually need answers. I’ve seen clien...
Honestly, you nailed it with the “shell game” comment. I’ve seen folks get dazzled by a shiny low rate, only to get blindsided by a pile of “processin...
Honestly, it’s frustrating. Lenders say they’re flexible, but at the end of the day, most just want to see those tax returns and a nice, predictable W...
Totally get where you’re coming from. I had a client who practically had to build a binder for their mortgage app—bank statements, tax returns, invoic...
I hear you on the “uneasy” feeling about owing more on your house. That’s a gut check a lot of folks ignore. Debt risk isn’t just numbers—it’s stress...
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, ...