True, but I'm wondering—doesn't it sometimes backfire if you give them too much upfront? I've seen assessors nitpick minor details that weren't even o...

Yeah, lenders tend to gloss over how quickly rates can creep up. Did they mention anything about prepayment penalties or fees if you decide to refinan...

That's definitely true—borrowers can't just sit back and assume the lender will magically understand their needs. But even beyond clarifying expectati...

Keeping a chunk untouched is probably safer overall, but honestly, I'd lean toward stricter repayment timelines. Seen too many people dip into that 'u...

Fair points, but isn't there also a risk in waiting too long on the sidelines? I mean, zoning changes can swing both ways—sometimes land you thought w...

Yeah, totally get your point about appraisers focusing on the boring stuff, but isn't it also about what's typical in your neighborhood? I've seen cas...

Yeah, that's a smart takeaway. I get why people do it—makes sense on paper, right? But there's always that nagging doubt: what if rates spike or the m...