Totally agree with your points, especially about insurers painting with a broad brush. I've seen clients stuck paying higher premiums just because the...

FMERR definitely tightened things up, but honestly, I wouldn't jump straight to non-QM lenders unless you really have to. Rates can be noticeably stee...

Haha, your comment about aging five years staring at HARP forms hit way too close to home. I still have flashbacks of late nights buried under paperwo...

Haha, I feel your pain. I've seen clients invest in top-of-the-line HVAC systems only to have their teens wage thermostat wars anyway. Honestly, progr...

Interesting perspective, though I'd gently push back on the idea that shorter mortgage terms always represent a psychological win. I've had clients wh...