Honestly, it shouldn’t be, but here we are. I’ve seen some lenders still ask for the same pay stub three times, even after uploading it to their “secu...

Yeah, I hear you—DIY can work, especially if you’re willing to dig in and learn. A few things I’ve picked up along the way: - Pulling your credit rep...

Title: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses? Yeah, the VA appraisal isn’t quite ...

I hear you on the loyalty perks—my parents stuck with their insurer for 20+ years and got a few nice breaks. But I’ve also seen credit reports where p...

Title: Credit scores, job types, and how they mess with your mortgage rate Honestly, I think it’s a bit of a myth that W2 folks always get off easy...

I get where you’re coming from. I actually tapped my equity for a kitchen reno last year, and it was nerve-wracking. Here’s what helped me decide: - ...

- The funding fee can be a pain, but if you’re staying in the house long-term, sometimes it pays off in the end. - I’d run the numbers—compare your cu...

Totally get where you’re coming from. I once held off on refinancing because I was convinced rates would dip just a bit more. Ended up missing the win...

That’s the thing with “no cost” options—they always sound good in the ads, but the math rarely lies. Here’s how I usually break it down: - “No cost” ...

I've actually dealt with this exact scenario recently when refinancing my home. Here's what I've noticed: - Most lenders these days are pretty comfor...

I learned that lesson the hard way too. Used to think escrow cushions were just banks holding extra cash unnecessarily. Then a storm blew off part of ...

DTI's definitely impressive, but yeah, the cost barrier is real. Hopefully as it becomes more common, insurance companies will catch up. Until then, s...