I’m with you on that. The FHA mortgage insurance is like that gym membership you forget to cancel—just keeps taking your money every month, and it doe...

True, lenders aren't usually nitpicking over your Starbucks habit... but I've seen some borderline cases where even smaller purchases raised eyebrows....

Yeah, that's pretty spot-on. ARMs can look tempting at first glance, but I've seen plenty of folks underestimate just how quickly things can shift. Ev...

Did you find the comps yourself or did you have an appraiser help out? I'm always skeptical about how lenders handle comps—seems like they're quick to...

Good points, but do you really think padding the budget heavily is always the best move? I mean, sure, unexpected repairs can hit hard (been there mys...

Good distinction—it's easy to romanticize the big leap, but reality checks matter. Even with calculated risks, I've seen clients underestimate ongoing...

Did you find the structured repayment limited your flexibility at all? I went through something similar a while back—picked repayment too, but sometim...