Totally agree with the strategic spending point. I've seen plenty of homeowners get caught up in big-ticket items like roofs or HVAC systems—which, do...

I've noticed a few things working with clients: - Local grants usually mean less paperwork, but sometimes the rules can change halfway through (fun t...

Exactly this. I've seen some pretty wild requests lately—one client was asked for pay stubs from a summer job he had 15 years ago. Seriously, who keep...

When we refinanced last year, our appraiser barely glanced at the new hardwood floors we put in... seemed more interested in square footage and recent...

Great points all around—especially about appealing assessments. I've seen a few cases where clients got significant reductions just by challenging the...

Totally hear you on clear milestones—they're definitely important. But honestly, I've found that a quick informal check-in can complement structure re...

Yeah, totally get your point—seen it happen myself. Adjustable rates can work if you're disciplined and prepared, but life's unpredictable. Always goo...