Mortgage hunting nightmare as a freelancer You’re spot on about lenders being hyper-focused on that one “off” year. I’ve had clients with years of st...
That’s pretty accurate in most cases. Lenders are mainly concerned with large, unexplained deposits or anything that looks out of the ordinary. I’ve s...
I’ve had buyers roll their eyes at the “loose cabinet hinge” stuff, but I’ve also seen those same buyers grateful later when a family member with limi...
Title: Getting Results When Your Loan Servicer Drops the Ball I hear you on the frustration. It’s honestly one of the most common complaints I get fr...
I hear you on the paperwork—it can feel endless, especially when you’re already stretched thin. I’ve seen clients who tried to manage every detail the...
Couldn’t agree more—having that documentation really is a game changer. I’ve had clients who kept meticulous call logs and it’s amazing how quickly th...
That’s really the key—taking time upfront saves headaches later. I’ve definitely seen agents push certain listings, especially when they have relation...
That’s a spot-on description of how these equity conversion products are marketed. The glossy mailers make it look like there’s no catch, but when you...
You’re spot on about that. “No-cost” usually means you’re paying one way or another, just less upfront. I always tell clients to run the numbers caref...
Honestly, I get the skepticism around these “limited-time” perks—they can feel a bit gimmicky. But sometimes, there’s more to it than just a fridge or...
That’s a really sensible approach. I see a lot of clients get caught up in the urgency—“rates are going up, prices are going up”—but timing the market...
I've found smaller lenders often do have a bit more wiggle room, especially if your situation doesn't neatly fit into the standard guidelines. Bigger ...
Refinancing can definitely pay off, but it's not always a guaranteed win. I've seen clients refinance into lower rates only to move a year later—ouch....
While negotiating can definitely yield results, lenders typically have limited wiggle room on fixed rates. Usually, they're adjusting fees or points b...
Great points, especially about appraisal values. Had a similar situation where the appraisal came in surprisingly low, and it completely changed the n...