I get where you’re coming from, but I’ve actually had a couple of DSCR closings go off without any last-minute doc hunts. Not often, but it’s happened...
I’ve actually tried one of those “plain English” policies (Lemonade, if you’re curious). The docs were easier to read, but when I had a small claim, t...
Yeah, it really is. I had one agent who kept showing me houses $50k over my budget “just in case.” Felt more like they were chasing a bigger commissio...
Not sure I totally agree about matching being the best you can hope for. I mean, yeah, sometimes you’re just gonna hit a wall and nobody’s budging, bu...
Yeah, I went through this exact thing last year. Got a lower rate and thought I’d be super responsible with the extra $150/month. First couple months,...
I get where you’re coming from. I used to keep a chunk of my emergency fund in a no-penalty CD, thinking the extra interest was worth it. But when my ...
Yeah, those random fees can be sneaky. I’ve seen “processing” or “handling” charges pop up too, and half the time they’re just leftovers from when eve...
Funny you mention the double-charging—had something similar happen when I bought my last place. They tried to sneak in a “courier fee” and an “express...
Totally agree with this. I fell for the “lowest rate” trap a few years ago and barely broke even before I moved again. Those “miscellaneous” fees are ...
That water heater strap thing tripped me up the first time too. I remember thinking, “I’m not even in California, why do I need this?” But after that,...
Yeah, appraisal fees seem pretty set in stone. But I did manage to shave off some closing costs by casually mentioning another lender's better offer.....
Honestly, I wouldn't stress too much about credit monitoring specifically because of these new mortgage rules. Sure, tighter regulations usually mean ...
I get where you're coming from with PMI offering a bit of extra oversight, but honestly, I'm not sure that's really its purpose. PMI is more about pro...
Yeah, I've noticed similar issues with friends who've leaned too heavily on their home's equity. It's easy to get comfortable when the market's good, ...
Totally get where you're coming from. I was in the same boat a couple years back—had a mortgage hovering around 4.25% and every extra payment felt lik...