Had a client once who called me in a panic over a charge labeled “PMI ADJ RFD.” Turns out it was just a refund for overpaid mortgage insurance, but th...

Honestly, I used to track rates like it was my side hustle—refreshing apps, reading every headline. Drove myself nuts. In the end, I realized you can’...

You’re not imagining it. That “one more thing” routine is pretty standard. Lenders are just covering themselves, but yeah, it can feel endless. Pushin...

Yeah, the inconsistency is honestly wild. I’ve seen clients get totally different answers from the same bank just depending on who’s at the desk that ...

Honestly, I get where you’re coming from, but I’d push back a bit. Those little HOA annoyances can be a pain, yeah, but I’ve seen plenty of neighborho...

Yep, seen that happen a lot. Appraisals can be hit or miss—some assessors barely skim them, others dive deep. Honestly, recent sales data and market t...

Yeah, that's pretty much spot-on. One thing I'd add though—while there's no extra deduction specifically for energy-efficient upgrades via home equity...

Couldn't agree more with this. Discipline really is the key factor here. I've seen clients refinance, clear out high-interest debt, and then put that ...

Exactly—discipline is key. I've had clients who've done great with HELOCs, but also a few who got a bit carried away. Sounds like you're already on th...

Good points on the windows, but honestly, I've seen thermostats make a bigger difference for folks who aren't planning to stay put long-term. Depends ...

I totally relate to this frustration. We had an interest-only loan for a couple years when money was tight, and honestly, it felt like we were just sp...

I refinanced a few years back to redo our kitchen—honestly, it worked out pretty well, but it wasn't stress-free. Had a few sleepless nights worrying ...