Totally true—calculators are awesome, but they're just step one. I've had clients who got super excited seeing how much they'd save monthly, only to r...

That's a great example of how lender choice can really shift things around. I've seen similar situations myself—sometimes it's not even about the appr...

Totally agree with this. Getting a proper survey is always step one. I'd also suggest keeping a digital copy of the survey results handy—cloud storage...

You're spot-on about habits being key. I've definitely seen people start with good intentions about lump sums, and then life throws a curveball—like w...

Good point about shorter-term fixed rates—I see clients choosing those options quite a bit. They offer predictability and usually lower interest, but ...

Haha, couldn't agree more. Honestly, you'd be surprised how often this comes up with new homeowners. Quick tip if you're unsure: first, dig out your p...

You're definitely on the right track by checking those escrow statements regularly—it's a habit I always recommend to my clients. I've seen a few case...

This is spot-on. A few years ago, I was debating leaving my steady office job to go full-time into mortgage brokering. I had a decent client base buil...

Couldn't agree more—insulation is the unsung hero. Windows look great, but they're pricey and don't always deliver the savings you'd expect. I'd say s...