Honestly, I get where you're coming from, but I’d nudge back a little on this one. There’s a sweet spot between over-prepping and being caught off gua...
Honestly, I get the “playbook” thing, but sometimes it’s less about rules and more about how strict the underwriter feels like being that day. I’ve se...
Yeah, those fees can be sneaky. I’ve seen folks get blindsided at closing more than once—processing, admin, courier, you name it. It’s not just self-e...
Honestly, I get the whole “wait for the dip” strategy, but in my experience, it’s a bit of a gamble. Couldn’t agree more with that. I’ve seen folks h...
Honestly, your credit score doesn’t have much to do with the daily ups and downs you see in rates. That’s almost all driven by the market—think inflat...
Yeah, I’ve seen a lot of folks regret rolling card debt into their mortgage, especially if they don’t change their spending habits. Had a client a whi...
You nailed it. Fast approvals sound great until you’re knee-deep in “processing fees” you never saw coming. For commercial loans, I always tell folks—...
Haha, that's gold. Had something kinda similar happen when I refinanced a couple years ago—appraiser was scheduled to come by, and literally 10 minute...
Refinancing to handle credit card debt can definitely make sense sometimes, but honestly, it depends on your discipline. I've seen people roll their c...
Yeah, lenders can be sticklers about permits. Had a deal stall out once because the garage conversion wasn't permitted—bank wouldn't budge until it wa...
Title insurance can be hit or miss, honestly. I've seen plenty of cases where easements or boundary issues slip through the cracks because they're bur...
Good points made here. I had a client who bought some land thinking he'd build his dream home in a few years. Turns out the city rezoned nearby parcel...
Yeah, that's a solid rule of thumb. I've seen plenty of folks get excited about the idea of pulling monthly income from home equity, and while it can ...
Yeah, being cautious definitely pays off. I've seen plenty of deals get shaky right before closing because of something tiny popping up. Had one clien...
Good points here, but honestly, I'd lean toward keeping more cash handy. Seen too many folks stretch themselves thin chasing lower rates, then boom—ro...