HARP refis aren't really a thing anymore—the program officially ended back in 2018. But don't stress yet, there are still options if you're underwater...

You're spot on about documenting renovations—I've seen it make a real difference. One client of mine had their appraisal jump significantly just by pr...

You make some solid points, especially about credit utilization and checking for errors. But I'd actually caution against waiting too long just to squ...

Yep, seen this happen plenty of times. Surveys are great, but they're not always the magic wand people hope for. Had a client last year who got a surv...

Yeah, lenders do send those statements, but honestly, they're usually packed with jargon. I've seen plenty of folks glaze over them because they're co...

Totally get the septic system nightmare—been there myself, unfortunately. But honestly, budgeting for every possible maintenance issue can be overwhel...

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...