Totally get what you mean—lenders can be stricter than my old gym teacher. I’ve seen folks bring in a mountain of paperwork, convinced they’ll get gri...

Right? Those little fees are like stealth mode—sneakier than my neighbor’s cat. Curious, did you spot any “maintenance” charges or random admin fees i...

Yep, been there. Some lenders act like their rates are carved in stone tablets. I swear, you could walk in with a Nobel Prize and they'd still shrug. ...

Yeah, I’ve watched folks chase those low intro rates like they’re Black Friday deals, only to get hit with sticker shock a few years later. That said,...

Couldn't agree more with this. Learned it the hard way myself when I was refinancing a property a couple years ago. Had everything neatly scanned and ...

Haha, that awkward paper shuffle says it all... Good on you for pushing back though—half the battle is just not accepting the vague "industry standard...