Yeah, those “zombie” cards can definitely raise an eyebrow or two during underwriting. I’ve seen folks get tripped up when a lender suddenly asks abou...

I’ve seen both sides of this. Some insurers will say they value loyalty, but when it comes down to a tough claim, I haven’t noticed much difference—at...

Yeah, this is spot on. The “high DTI = instant denial” thing gets tossed around a lot, but in practice, it’s way more nuanced. I’ve had clients come i...

Yeah, it’s wild how the paperwork just morphs instead of disappearing. I’ve seen folks get tripped up by something as random as a birthday gift deposi...

Zero down definitely looks tempting on paper, but I’ve seen a lot of folks get caught off guard by the long-term costs. The interest rate can sneak up...

Totally get this. I’ve had lenders ask for stuff that made me scratch my head—like HOA meeting minutes for a single-family rental, which wasn’t even i...

Totally agree, compliance checks can be tedious but they're worth the hassle. Had a buyer last year whose seemingly minor boundary issue turned out to...

I get your point about emotions clouding judgment, but honestly, sometimes a little spontaneity can pay off. Had a client once who stumbled onto their...

Honestly, I've seen plenty of clients get stuck in that loop when buying their first home. They wait for the "perfect" market conditions or the ideal ...

Good points. I've seen a few clients get caught off guard by these fines because they assumed vacant land didn't require upkeep. One thing I usually s...

Yeah, fridges seem to be especially tricky used—probably because they're running 24/7. I've noticed washers and dryers can be hit or miss too; older m...

Haha, your crypto analogy hits home! I've seen similar things happen in real estate—buying the fanciest house on the block doesn't always mean it'll a...