Refinancing definitely has its place, but you're right to be cautious. I've seen it work wonders for some clients, but others... not so much. A few ye...

True, goodwill can solve a lot. But I had a client who skipped the survey too—ended up with a fence dispute years later. Cost him way more in legal fe...

Totally agree with being cautious—leveraging equity can be a great tool, but it's definitely not something to jump into lightly. I've seen people succ...

Yeah, I hear you on the fancy features—half the time they're just gimmicks that break down quicker anyway. But I gotta say, sometimes buying new can p...

Couldn't agree more with this. Seen plenty of clients tempted by lower upfront costs or higher leverage, but honestly, putting in a little extra at th...

You're spot on about landscaping—flower beds are usually a no-go, but structural stuff like retaining walls can sometimes sneak in under the wire. Sol...

Good points overall, but I'd say refinancing isn't always a no-brainer. Sure, monthly savings look great on paper, but you gotta factor in how long yo...