I totally get where you’re coming from—digging through those policy docs and spreadsheets is a pain, but I’ve learned the hard way that it’s worth it....
That due-on-sale clause is the stuff of nightmares for me, too. I’ve never had a bank actually call a note, but I did have a friend get a stern letter...
Title: Does having a top-notch credit score really make home buying easier? I hear you on the Venmo thing—my lender flagged a $35 transfer to my brot...
I get where you’re coming from, but I have to admit, I actually kind of understand why underwriters get nervous about those high-limit cards. Years ag...
I hear you on the “creative” fees. Last time I refinanced, there was a $150 “document review” charge—like, aren’t they supposed to review the docs any...
Funny you mention loyalty—my last refi, I thought my long-time bank would at least try to keep me, but nope, they barely budged on rates or fees. Ende...
Totally get where you’re coming from. I’ve been through the “surprise special assessment” rodeo before and it’s not fun. Once lived in a place where t...
That’s wild, but honestly, not surprising. I had a lender tack on a “processing fee” once—$275 for what turned out to be someone clicking ‘send’ on an...
Peace Of Mind Or Mortgage Freedom? I’ve Been Burned Before I totally get the thrill of watching that mortgage balance drop. There’s something weirdly...
That line really hits home for me. I remember when we bought our first place, there was this down payment assistance grant that looked super tempting....
Thinking About Adjustable-Rate Mortgages—Smart Move or Ticking Time Bomb? That automatic transfer trick is a lifesaver, but you’re right—it’s not a m...
I looked into refinancing shortly after closing a few years back when rates dropped unexpectedly. My lender didn't have explicit penalties, but they d...
Yeah, family loans can get messy fast. A few years ago, we borrowed from my wife's parents to help with our first home's downpayment. Thought we were ...
Had a similar experience when refinancing a while back. Thought I was being super thorough, but underwriting still came back with questions about a ra...