- 100% agree—pre-approval made a huge difference when I refinanced last year. - Sellers and agents took my offer way more seriously. - Pre-qual fe...

- VA appraisal = quick once-over, not a deep dive. - MPRs (minimum property requirements) are all over the place—depends on who you get. - I refin...

FHA vs Conventional—here’s what I ran into when I refinanced last year: - FHA’s got easier credit requirements and lower down payment, but you’re stu...

Totally agree on the “creative” fees—had a lender try to sneak in a “courier fee” for emailing docs. Here’s what worked for me last time: - Get every...

Totally agree with your points, especially the fine print bit—learned that myself when refinancing. A couple more things I'd toss in from experience: ...

Good points about the Loan Estimate—definitely cuts through a lot of the fluff lenders throw around. I've been down that road myself, and you're right...

Good points. Clear wording helps, but you're right—knowing what to look for is half the battle. When I refinanced last year, the contract was straight...

Just went through something similar myself. A few quick points from my experience: - My original lender was super rigid, wouldn't budge on terms at a...