You nailed it. I swear, half my job is tracking down serial numbers and warranty docs for panels nobody remembers installing. It’s like a scavenger hu...

You’d think lenders were allergic to nuance sometimes. DTI is important, but it’s wild how they’ll ignore everything else you’ve got going for you—lik...

I get the idea of playing it cool with the lender, but honestly, I think you’re being too nice. In my experience, a little more pressure (read: polite...

Rates are like my cat—never where you expect them to be and always changing their mind. I hear you on the sticker shock with long-term interest. Somet...

Honestly, waiting for the “perfect” rate is like waiting for I-35 to be construction-free—might never happen. I’ve seen folks blink and suddenly that ...

Couldn’t agree more about the “respect the fuse” part. ARMs aren’t evil, but they’re definitely not a set-it-and-forget-it deal. I’ve seen folks score...

Oh man, you’re not alone there. Sellers see “FHA” and sometimes act like you’ve got the plague. It’s wild. I’ve had clients lose out on houses just be...

Haha, the infamous "taco Tuesday" interrogation... classic. Had a client once whose lender flagged a $15 Starbucks reload as "suspicious recurring exp...

Ha, gotta say, as an agent myself, sometimes even we don't know about these little "quirks"—like the road becoming an ice rink every winter. Always sm...

Haha, seriously underrated. I've been there—rates ticking upward, stress levels rising... Having that cushion definitely makes the rollercoaster ride ...

Haha, yeah, upgrades can be a bit of a gamble. I once had a client who spent a fortune on a fancy kitchen remodel thinking it'd boost their appraisal ...

Exactly this. People stress way too much about credit pulls—it's not like lenders are vampires draining your credit score dry, lol. But speaking of qu...