Yeah, I've dealt with this before too. From a lender's perspective, they're just covering themselves—making sure there's no confusion later on about w...

Refinanced about 6 months ago and found closing costs noticeably lower than my original purchase. Guessing it's because some fees (like inspections, s...

Yeah, same boat here. Submitted a whole stack of detailed reports and even drone footage to back up the inspection—thought they'd appreciate the extra...

Yeah, FHA is usually a safe bet for first-timers—less surprises lurking in the fine print. I almost went with a grant program myself, seemed like free...

I looked into the High LTV option briefly last year when rates dropped—didn't end up pulling the trigger though. From what I gathered, it's pretty sim...

Exactly. I've seen this happen more times than I can count. Had a buddy who refinanced twice in five years because rates kept dropping. He was thrille...

Good points here. Our HOA got blindsided by a major plumbing overhaul last year—no reserve study, no planning, nothing. Ended up costing everyone a pr...

Solid advice—especially the bit about banks hiding fees. Reminds me of when I refinanced a couple years ago. Thought I was getting a sweet deal, but o...

Totally agree on this—seen it happen way too often. Another thing I'd add is to keep an eye on your local market trends. Even solid upgrades like bath...

Yeah, running scenarios is key—I practically live in Excel when making these decisions, haha. Curious though, did you factor in potential market downt...

Yeah, that's been my experience too. Credit unions are great for flexibility and personal touches, but when you're juggling multiple projects, speed c...