That’s spot-on about the lack of flexibility. I’ve had clients lose out on homes over things like a missing GFCI outlet or a loose railing—stuff that ...
That’s a really common frustration. The “bureaucracy for its own sake” part rings true—banks tend to have those rigid protocols, and it can feel like ...
Keeping funds isolated is one of those things that sounds tedious until you’ve been through a tax season with everything mixed together. I’ve seen cli...
I’ve seen those “shiny” brochures too—sometimes they’re all style, no substance. Digging into the actual reserve study and board minutes is just due d...
Title: No Tax Return Home Loans: 2025’s Solution for Self-Employed & Freelancers That’s a good point about the backend costs—some of these fees a...
That’s a smart approach—scrutinizing those line items can save you a headache later. I’ve seen closing disclosures with “processing” or “courier” fees...
Title: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses? I’ve run into this debate with clie...
Honestly, you nailed it—“no tax return” doesn’t mean “no paperwork.” It’s more like they just swapped out which docs they want. I’ve seen a few client...
It really does feel like a roll of the dice sometimes. I’ve seen clients with a 680 score get approved with minimal hassle, and others with a 720 get ...
That’s a pretty common frustration these days, especially with how strict underwriting has gotten post-2020. Lenders are under a lot of pressure to do...
That analogy made me laugh—I've heard similar from clients. I get the frustration, but sometimes the numbers just work out better with a smaller down ...
Title: Why Is Getting a Mortgage So Hard When You're Self-Employed? That’s honestly not surprising at all. I’ve seen underwriters ask for explanati...
That’s a solid point about prepayment penalties—people overlook those way too often. I’ve seen clients get caught off guard when they try to sell or r...
You've made a good point—credit scores alone aren't always the silver bullet people think they are. From experience, lenders typically use credit scor...
You're right to be cautious—refinancing can be tricky. I've seen clients who jumped at the lower monthly payments without fully crunching the numbers,...