Honestly, it’s wild how inconsistent lenders can be about this. I’ve seen some accept scanned PDFs from a phone app, while others insist on the “origi...
I get where you’re coming from, but I’ve actually seen a few differences when working with clients who have top-tier credit. Here’s what I’ve noticed:...
- Totally relate to this. When I refinanced a few years back, I kept running the numbers every week, thinking I’d catch the “perfect” dip. - In real...
I hear you, but sometimes waiting isn’t an option for everyone. If rents are eating up your savings each month, buying—even with a 580—can actually st...
Yeah, I’ve noticed that too—“no doc” is kind of a moving target. A few things I’ve seen: - Some lenders just want 12 months of bank statements, other...
- It’s wild, right? I’ve had clients with 820+ scores and six-figure incomes get grilled just because they’re freelancers. - Lenders love predictabi...
Title: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company? That’s a solid move. I’d just add—when you’re comparin...
Title: Why Is Getting a Mortgage So Hard When You're Self-Employed? - Totally get the frustration with the endless documentation. Underwriters are ba...
Honestly, I’m with you on the “gut feeling” part, but I’d add a few practical checks too: - Ask for recent client references—actual people, not just ...
It’s definitely not just you—consistency is all over the place. Here’s what I’ve seen: - Some national banks (think Chase, Wells Fargo) tend to have ...
Title: Why Conforming Loans Are a Great Option for Homebuyers - Had a client once get charged a “fax fee” — in 2023. Not kidding. It was $35, and the...
Good points overall, but ARMs aren't always as risky as they sound. A lot depends on the caps built into the loan—some have pretty tight limits on how...
Had a similar experience myself a couple years back. Was laser-focused on paying down my student loans, and every bonus or spare dollar went straight ...
You're spot on about lenders dragging their feet—seen it happen plenty of times. A few quick points that might help: - Legally, lenders have to autom...
I've actually had pretty good experiences going the credit union route. Refinanced last year through a local CU, and it was refreshingly straightforwa...