Honestly, when I refinanced last year, I asked the same thing. My lender said “stable” meant two years at the same job or in the same field, but then ...

Yeah, I had a really similar experience when I went through my mortgage application as a freelancer. The “stable” part is definitely more about the bi...

Yeah, the hoops are wild. When I refinanced last year, I had to write a letter explaining a random $200 deposit from a side gig—felt like I was being ...

I hear you on the paperwork—no matter your score, it’s a mountain. When I refinanced last year, my 800+ score got me a sweet rate, but I still had to ...

Title: Paying More Each Month vs. Refinancing to a Shorter Term—What’s Smarter? That’s a good point about lender rules—my old mortgage had a weird cl...

That’s so true—underwriters can be all over the place. Here’s what worked for me when I went through the process last year: 1. Go through your bank s...

Honestly, I get the appeal of locking in a fixed rate—predictability is huge, especially if you’re planning to stay put for a while. But I’ll throw ou...

I ran into something similar when I refinanced last year, and yeah, the whole “explain every tiny gap” thing can get a little ridiculous. At one point...

Keeping paperwork forever feels like overkill, but I’d actually push back a bit on tossing things after just a year. In my experience, lenders and eve...

Totally agree on the community banks—they've saved me more than once. I did manage to use rental income from another property as additional income onc...