Totally agree—fees are way easier for lenders to tweak than rates. In my experience: - Appraisal fees rarely budge, lenders usually blame third-party...

Yeah, that's exactly why I steer clear of borrowing from family or friends altogether. Even with contingency plans, mixing money and personal relation...

Totally agree on the small expenses thing. When I was debating leaving my stable job for something riskier but more fulfilling, I sat down and did a f...

Went through something similar a couple years back. Dropped a chunk of cash on new flooring and bathrooms thinking it'd boost the appraisal—barely bud...