I get where you’re coming from, but in my experience, lenders are mostly focused on the big picture—consistent income, debts, and your overall spendin...

That wind/hail deductible thing gets me every time—sometimes it’s a flat amount, sometimes it’s a percentage of the home’s value, which can be a nasty...

I get the urge to comb through every word in those sample policies, but honestly, I’ve started leaning more on agents for that part. Not saying to tru...

Couldn’t agree more—my first rental, I wasted a chunk of cash on fancy tile and high-end fixtures because I thought it’d “wow” people. Tenants just wa...

I’ve run into this with clients more times than I can count—someone gets pre-qualified, then panics thinking their score’s about to tank. Here’s how I...

It’s gotten almost comical, right? I’ve had clients asked about birthday money from grandma showing up in their account. But you’re spot on—conforming...

Totally get where you’re coming from—timing really is everything with ARMs. I’ve seen folks do well like you, but sometimes people get caught off guar...

Couldn't agree more—credit scores definitely move the needle. One thing I'd add, from experience guiding clients, is to also look closely at your debt...

You're spot-on about the gradual approach. I've seen plenty of people jump into real estate thinking they've covered every angle, only to find surpris...