Yeah, the paperwork chase is just brutal. Even when you think you’ve got every document under the sun, they’ll come up with something new. I’ve seen c...

I always ask about how they keep up with the market—if they just say “I’ve been doing this for years,” that’s not enough for me. I want to hear specif...

Good advice on the emergency fund. I usually tell people to aim for about 1-2% of the home's value set aside each year for unexpected repairs and main...

Yeah, that's usually the sticking point lately. HARP itself ended a while back, so FMERR and HIRO are kinda the replacements now—but they're picky. De...

Yeah, lenders can definitely be sticklers about hitting that magic 20% mark. Good on you for sticking with it though—I've seen plenty of folks get dis...

Yeah, refinancing can definitely ease the stress—I remember when I bought my first place, I was losing sleep over interest rates and paperwork. Credit...

Exactly—people get tunnel vision on rates and forget the bigger picture. I've had clients come in all excited about shaving half a percent off, then w...

Yeah, extra payments can feel satisfying, but honestly, sometimes refinancing—even with fees—can still make sense if you're stuck paying mostly intere...

Yeah, delays definitely happen, but there's a fine line between normal processing times and just plain disorganization. I've seen lenders who seem to ...

Yeah, refinancing to lower your monthly payments can definitely be a solid middle-ground approach. I've seen plenty of folks do exactly that—especiall...

Yeah, I've seen this tactic a few times myself. It's almost like they're testing the waters to see how much you'll tolerate. Had a client recently who...

I get where you're coming from, but honestly, shortening the loan term can be a solid move if your budget allows it. When I refinanced, I went with a ...