I've dealt with this a few times, and honestly, it's less about bank size and more about their comfort zone. Smaller banks can be cautious because the...

Fair points, but honestly, I wouldn't rely too heavily on your current lender. They might offer something decent to keep you, sure...but shopping arou...

Good points here, but I'd add a quick caution: refinancing isn't always the slam dunk it seems at first glance. I've seen folks jump in because rates ...

Yeah, totally agree with you on doing your own homework. I've had lenders give me completely contradictory info within the same week—talk about frustr...

I've seen ARMs work out fine, but you've gotta be careful. If you're pretty sure you'll move or refinance again before rates adjust, it can save you s...

Had a similar situation last year—my rental was just shy of the DSCR threshold. Lenders aren't usually flexible on the ratio itself, but some will let...