That’s been my experience too. I swear, if I had a dollar for every time a big bank treated me like a walking FICO score, I’d have a down payment by n...

This is the classic “diet starts Monday” of personal finance. You clear the slate, but if you don’t change what’s going on in the kitchen (or, uh, Ama...

It’s wild, right? You’d think in 2024 we’d have a “DocuSign for everything” button by now. I’ve literally had clients sitting in their cars at 6pm, wa...

Honestly, I’ve seen underwriters accept a quick, one-sentence explanation for stuff like that—no notary, no drama. It really depends on the lender and...

Honestly, I’ve seen folks get tripped up by the weirdest little things—like a $7 Venmo from three years ago for pizza night. It’s wild what underwrite...

Haha, this hits home. I've seen clients go through the exact same thing—staring at numbers until their eyes glaze over, only to have the market pull a...

True, but honestly, I've seen lenders get pretty hung up on income stability too. Had a client with super low DTI but irregular freelance income—lende...

I get the appeal, especially when you see that appraisal number tick up. But honestly, I'd be cautious about dipping into equity for smaller upgrades....

Haha, totally agree with this. I've seen people dive headfirst into their dream gigs without a parachute, and while some land gracefully, others...wel...

Yeah, the IRS definitely loves keeping us on our toes with these blurry lines. Had a client last year who thought repainting their house was clearly m...

Yeah, lenders have definitely gotten pickier lately. Had a client recently who sold some old furniture online and deposited the cash—nothing huge, jus...

Totally agree about the pre-approval easing the stress—I've seen clients literally lose sleep scrambling last-minute. And you're spot-on about sellers...