I get why it feels like overkill, but honestly, sometimes those tiny transfers do matter. I’ve seen underwriters get hung up on a $15 PayPal from a ro...

Honestly, I get where you’re coming from, but I’ve actually seen some lenders go out of their way to explain denials—just not always in writing. Somet...

Funny you mention the Venmo thing—I had a client get flagged for a $50 Zelle from her grandma, and she was so confused. Meanwhile, she’d moved $10k be...

That coffee comment cracked me up—honestly, you might be onto something. I once had a client whose dad wired him $5k for “moving expenses,” and the un...

Funny you mention the formal letter route—I’ve seen that work wonders, especially when emails and calls just get you passed around. Had a client once ...

That’s a really solid approach. I’ve seen folks get so caught up in the excitement (or panic) of a hot market that they gloss over stuff they’d never ...

Funny, your story reminds me of a client who brought in a literal shoebox of receipts—every coffee, every Amazon order—thinking the underwriter would ...