Had a client a while back who was on PAYE, paying like $40 a month on her loans. She was so excited to buy her first place, and then we hit the wall w...
You’re not alone in feeling that way. I’ve seen a handful of clients over the years who thought they’d be fine with a balloon mortgage, but when that ...
Yeah, you nailed it with the paperwork headache. I’ve seen folks get tripped up by this exact thing—lenders want to see that “income” is actually reli...
I hear you—insurance calls are like a weird game show where the rules keep changing. I’ve run into those “bundles” too, and honestly, sometimes they’r...
Honestly, I’ve seen underwriters ask about everything from a $5 Starbucks refund to a random Venmo for movie tickets. Credit card payments do get flag...
I had a guy last spring who swore by his local lender—said he liked being able to walk in and talk face-to-face. But when the appraisal dragged out an...
That one hits close to home. I remember a client a couple years back—super sharp guy, did all his homework, spreadsheets and everything. He was laser-...
I get where you’re coming from, but I’d push back a little on the idea that having excellent credit doesn’t make things easier. Sure, the paperwork is...
That spreadsheet idea is gold. I’ve seen folks get tripped up by those exclusions more times than I can count—especially with older properties. I alwa...
That first reset letter really does have a way of making things real. I’ve seen folks who thought they had a cushion, but when the payment jumps, it’s...
Yeah, that “processing fee” dance is all too familiar. I’ve seen lenders toss in random charges and just hope nobody notices. I once had a client who ...
Couldn’t agree more about not getting too cozy with one insurer. I’ve seen folks stick with the same company for years, thinking they’re getting a dea...
Title: Mortgage statement mistakes: did you know you have rights? I’ve seen folks get tripped up by those escrow changes more than once. Funny thing—...
That hits home. I had a client a couple years back who grabbed a down payment grant thinking it was a total win—fast forward 18 months, her job transf...
That’s spot on. I’ve seen situations where even the branch manager had to call corporate to get an answer about a line item. One time, a client of min...