Honestly, that's smarter than what I did last time—I had half my stuff in email, half in a shoebox. Do you find lenders actually accept pics of statem...

Totally get what you mean about the paperwork being the real boss battle. I had a solid credit score, but the lender still wanted to see every bank st...

Totally agree—those minutes are gold. I once almost bought a condo until I saw a note about “future roof replacement discussions.” Dodged a $12k bulle...

Honestly, I think you’re onto something. I used to hold back a lot, but it just made things drag. Once I started being upfront—even if it felt weird—i...

Yeah, I get where you’re coming from. I used to think no-closing-cost refis were always a ripoff, but after running the numbers for my own place, it’s...

Totally get what you’re saying about the reliability factor, but I’ll be real—when I was buying, I got quoted almost $700 more for title insurance thr...

Yeah, I’ve noticed the same thing. Last time I questioned a “courier” fee, they suddenly offered to “waive it this time.” Feels like half these charge...

Haha, totally relatable. I used to think more detail meant better chances, but lenders just want clarity—not a thesis. You're right though, sometimes ...

I get what you're saying about losing control, but honestly escrow made refinancing simpler for me. Didn't have to stress about setting aside tax and ...

Yeah, been there myself. Last time I transferred, the loan officer went MIA right before closing—talk about stress. Now I always ask upfront about the...