riveractivist
riveractivist
@riveractivist
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RE: Home equity loans and taxes—did you know this?

Title: Home equity loans and taxes—did you know this? That’s spot on about landscaping deductions—people get creative, but the IRS isn’t usually buyi...

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RE: Getting Results When Your Loan Servicer Drops the Ball

Honestly, the spreadsheet thing is a lifesaver—I've had clients who literally had to show their call logs to get a mistake fixed. One trick I’ve picke...

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RE: Thinking About Refinancing? Rate & Term Refi Might Save You More Than You Think (Plus a 10-Day Closing Option)

It’s wild how often folks get tunnel vision on that monthly payment and forget about the upfront costs—title, escrow, lender fees, all that jazz. I’ve...

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RE: First-time buyer blues: grants vs. loan programs

I’ve seen a lot of buyers get tripped up by those grant “gotchas,” especially the ones tied to staying put for X years. One thing I always tell folks:...

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RE: Is it worth using a new homes mortgage broker instead of going straight to a bank?

That’s spot on—hidden fees can sneak up on you. I usually tell clients to make a checklist: compare rates, but also line up every fee side-by-side. Li...

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RE: Figuring out how much of my house I actually own

Having helped quite a few clients prep their homes for sale, I've learned to approach upgrades pretty systematically. Here's what I usually suggest, b...

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RE: Found a dream home thanks to rural loan perks

Inspectors can definitely get hung up on weird details sometimes...but honestly, if you're buying rural, water stains are something you really wanna d...

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RE: Navigating property taxes without losing your mind

Building rapport definitely helps, but honestly, I've found relying too much on personal connections can backfire. Staff turnover happens, and suddenl...

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RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX

This is spot-on. Had a similar experience last year with a client who was buying a property that had an accessory dwelling unit (ADU) in the back. Tra...

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RE: Ever thought about using escrow accounts? Here's a scenario...

Good point about complacency creeping in... I've seen similar situations myself. One thing I always recommend to clients is setting a quarterly remind...

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