I get what you’re saying, but I still think the IRS leaves a lot of gray area, especially when it comes to what counts as an “improvement” versus a “r...

Man, that hits home. I once skipped the attic check because I was tired and just wanted to be done. Ended up with a squirrel nest up there—chewed thro...

Yeah, that unpredictability is no joke. I remember the first time my ARM adjusted—I was convinced it’d be a disaster, but the rate barely budged and I...

That “clawback” clause is sneaky—seen it pop up more lately. Yeah, I’ve noticed more of those weird conditions lately too. Had a friend who thought h...

Yeah, I’ve run into the same thing. Last year, I thought I’d be clever and just “negotiate” my way into a better rate, but the lender barely blinked. ...

Honestly, I’ve wrestled with this too. On paper, rolling those high-interest cards into a mortgage looks like a win, but then you realize you’re payin...