Yeah, the level of scrutiny can feel over the top, but it’s pretty standard these days. Lenders are under a lot of pressure to document everything, es...

That’s the real issue—patchwork bans won’t fix anything. But I wouldn’t downplay the investor impact either. I’ve seen clients get outbid by cash offe...

I get where you're coming from—negative cash flow can keep you up at night, especially if you don't have a solid buffer. Personally, I always advise r...

That’s true, especially with jumbo loans or anything outside the standard conforming stuff. Some lenders just see “bankruptcy” and get cautious, no ma...

Honestly, timing an ARM exit perfectly is almost never pure skill. Even with solid planning, stuff happens—job changes, health issues, the market shif...

You nailed it with the “popcorn at the movies” comparison—those fees sneak up on you every time. I see a lot of people just gloss over the closing dis...

Inspectors usually do a general check on drainage, but honestly, they're not specialists. They're looking for obvious red flags—like major pooling or ...

Emails can help, sure, but they're not always bulletproof. Had a client once who thought their email chain was enough proof for an easement issue—turn...