I get where you’re coming from, but I’d argue too much paranoia can actually backfire. I’ve seen buyers get so caught up in worst-case scenarios that ...

It really depends on the lender and sometimes even the specific underwriter you’re dealing with. I’ve seen both ends of it. Some will absolutely dig i...

You’re right, there’s never a “perfect” year—too many moving parts. I’ve seen buyers wait for the ideal rate, only to get hit with higher insurance or...

That “secret menu” of fees is more common than people think. I see a lot of folks just accept whatever’s on the closing statement because it feels off...

Couldn't agree more. Had a client recently who was convinced refinancing would save them big, but after factoring in closing costs and fees, their act...

This is spot-on. I've seen clients hold off refinancing for months, hoping to bump their credit just a bit higher, only to watch rates climb and erase...

Interesting points here. I've seen clients run into similar wildlife issues after purchasing vacant land. They figured they'd hold off building for a ...

I've seen plenty of people tap equity, and honestly, it rarely changes spending habits permanently. Usually, it's more of a temporary wake-up call—lik...

Haha, sounds like you handled that perfectly. I've seen similar situations pop up with clients who buy land and hold off on building. It's surprising ...