You nailed it—the “safe” label on fixed rates is only true if you’re 100% sure you’ll ride out the term. I’ve seen folks get blindsided by those break...
Timing an ARM is a bit like trying to catch a falling knife—sometimes you get lucky, but it’s not exactly a strategy I’d recommend for most folks. Tha...
Honestly, I get why it feels like overkill, but I actually think the deep dive at pre-approval is a good thing. Sure, it’s a pain to dig up all those ...
Honestly, I’ve seen a lot of people get tripped up waiting for that magic 20% down, and by the time they get there, the house they wanted is either ou...
I’ve definitely seen folks get burned thinking a lower rate is all that matters—then they’re scrambling last minute because their lender just disappea...
Yeah, market data's great until it's not, right? I've had clients who were blindsided by sudden tax hikes because of new developments they didn't even...
This is spot-on advice. I've seen plenty of situations where folks refinance to a shorter term, thinking they're making a smart financial move, only t...
Yeah, that's spot-on. I've seen lenders swing wildly in either direction when it comes to rural properties. Had a client once who was buying a place w...
Smart thermostats definitely help—I’ve seen plenty of folks pleasantly surprised by the savings. But I wouldn't totally dismiss window upgrades either...
Totally relate to this. A few years back, I had a client who was debating leaving a stable corporate gig for a startup. He waited for the "perfect" mo...
Good points there, especially about padding the escrow a bit—seen plenty of folks underestimate and end up scrambling. One thing I'd add though: don't...
Totally get where you're coming from—lawyer fees can feel intimidating, especially when you're already stressed about foreclosure. That's solid ad...
Yeah, announcements are definitely tricky. I've seen plenty of folks get excited about promised upgrades only to end up frustrated when things stall o...
Yeah, depreciation on new cars can be brutal. But sometimes the peace of mind from a full warranty and knowing exactly how it's been driven can balanc...