I get what you mean about feeling like prequalifying could tie your hands, but honestly, it’s not as binding as some folks think. Prequalification is ...

I keep wondering—how do you actually figure out which fees are negotiable and which ones aren’t? I’ve seen “processing” and “document prep” charges th...

I get what you mean, but I’m not sure it’s always about saying no—sometimes I think they just don’t know how to handle non-traditional income. When I ...

Totally agree about the spreadsheet—keeps the chaos under control. I’d add that some lenders will also want to see consistent credit history over a co...

I’ve definitely seen lenders dig in their heels on prepayment penalties, especially with the bigger banks. But I did have a friend who managed to get ...

Yeah, that “balloon payment sneaks up on you” scenario is way too real. I always wonder—how many folks actually run the numbers for a worst-case marke...

Interesting how that played out for you. Did you notice if buyers commented specifically on the kitchen during showings, or was it more subtle? Someti...