Prequalifying is definitely a smart first step, but I’d actually push back a bit on the idea that asking about average utility bills or setting aside ...

Definitely seeing the same thing—policies are there, but interpretation is all over the place. A few things I’d add: - Underwriting guidelines for H1...

Yeah, I’ve seen some pretty unpredictable stuff with appraisals lately—especially since banks started getting more strict on home equity lines. Here’s...

That line made me laugh—seen it too many times. A couple years back, I had a client who thought they scored with “free granite counters.” Turns out, w...

Here’s the deal from the trenches: - Pre-qualification (the kind you do online or get in the mail) is almost always a soft pull. No impact on your sc...

- Online rate quotes are definitely quick for ballpark numbers, but they often miss the finer details—like credit quirks or special programs you might...

Totally agree with this. Appraisers definitely have some wiggle room in how they interpret comps and property conditions. I've seen cases where two ap...

Good points all around. A couple quick thoughts from my side: - You're right, flexibility is key—life has a funny way of ignoring our carefully laid ...

Fair points, but from what I've seen, curb appeal still plays a subtle role even in hot markets. Sure, homes with rough exteriors sell quickly when in...

Good points, but refinancing back into a 30-year isn't always a bad move. A few things to consider: - If your current interest rate is significantly ...

- Went through something similar myself. We chose an ARM because the numbers looked great short-term, and we were pretty confident we'd refinance befo...

I've seen UV sterilizers used in a couple setups, and from what I've observed, they can be pretty effective—especially if algae's been a persistent is...