Honestly, I hear you. Every time I’ve tried to get a mortgage, it’s like they want a full biography—bank statements, invoices, contracts, sometimes ev...

Waiting for the “perfect” rate is definitely a gamble, but I’d push back a bit on the idea that it’s always better to just pull the trigger now. Somet...

Those “reason codes” are a mystery—half the time I feel like I need a decoder ring just to figure out what changed. I’ve tried color-coding my spreads...

Honestly, I’ve had the same thought. It’s wild how much you have to push just to get something fixed that shouldn’t have happened in the first place. ...

That’s been my experience too, but I’ll admit I’m always a bit wary about pushing too hard—sometimes it feels like if you ask for too much, they just ...

Had a project a few years back where we considered a balloon mortgage for a quick flip. Looked good on paper, but the market slowed down right when we...

Yeah, totally agree—liquidity is huge, especially with how unpredictable life can be. I’ve seen people regret tying up too much cash in closing costs,...

Yeah, those “just because” fees are a headache. I’ve seen lenders tack on stuff like “document prep” or “processing” that’s basically just extra profi...

I get where you’re coming from, but sometimes I think folks can get a little too focused on squeezing every single fee. I’ve seen deals fall apart bec...

Yeah, I hear you on the closing costs—those can sneak up on you if you’re not careful. I’ve seen a few folks do well with cash-out refis, especially w...

Good points on the credit unions—I found they're often more flexible than you'd expect. One thing I'd be careful about though is prepayment penalties....

Haha, sounds familiar. Our town tried rezoning a tiny vacant lot for a coffee shop once, and you'd think they were proposing a nuclear plant or someth...