You're spot on about HELOCs needing discipline. I've seen plenty of folks start with good intentions, but it can spiral quickly if you're not careful....

That's solid advice—I've seen similar situations myself. Once had a client who switched jobs mid-process because he got offered a better salary. Seeme...

Good points raised here. While building a bigger down payment definitely helps with affordability and easing stress, there's also something to be said...

Totally agree with you there—I've seen similar situations with credit unions. They're fantastic for personalized service, but speed isn't always their...