Totally get what you mean about the paperwork mountain—sometimes it feels like you need a degree just to keep up with all the forms and fine print. I’...
That’s actually a good point. I’ve seen clients get better deals from big banks after pushing back on rates or fees, but it doesn’t always work out. P...
Title: DSCR Numbers Never Tell the Whole Story Man, city projects are the wild card nobody talks about enough. I had a client with a duplex who got b...
I get why you’d stick with the same company, but honestly, I’m a bit more paranoid. Even if my rates stay steady, I’ll still check around every year. ...
Jumping in here—yeah, you can definitely buy with a lower score, but I’d just throw out a little caution. Sometimes folks get so focused on “getting i...
Totally get where you’re coming from. The three-bucket thing looks great on paper, but life never sticks to the plan. I’ve seen folks try to stick to ...
Man, you nailed it with that. I’ve seen more than a few folks come in super confident about their 5-year plan, only to have life throw them a total cu...
I get where you’re coming from, but I’ve seen folks jump in with a lower score and end up pretty stressed about the monthly payment, especially if som...
Yeah, I hear you—sometimes those promos are actually solid deals if you’re quick but still careful. I’ve seen folks get a great rate or snag a place b...
Honestly, you’re not alone—title companies can be tough to negotiate with. I’ve seen them hold pretty firm, especially in busy markets. Comparing quot...
I hear you on the “I’ll move before the rate jumps” plan—it sounds good in theory, but life’s rarely that neat. I’ve seen folks get stuck when the mar...
I've seen that happen occasionally, but it's definitely not a sure thing. Waiting until late can work if the lender really wants your business, but I'...
I've seen this come up with clients pretty often. Escrow's definitely the safer route if you're worried about discipline—seen too many people dip into...
Yeah, those hidden fees can be sneaky—I've seen plenty of clients blindsided at closing. Always worth double-checking the fine print (boring, I know)....
I looked into this a couple years back when we replaced our windows. Honestly, the upfront cost for energy-efficient windows was pretty steep, and fro...