Yeah, I’ve seen that play out too—people get lured in by the lower rate and don’t realize the VA funding fee can be thousands upfront. It’s easy to mi...

RIDING THE RATE ROLLERCOASTER WITH ADJUSTABLE MORTGAGES That’s spot on. I’ve actually worked with a couple who bought a condo with a 5/1 ARM, knowi...

It’s wild how much more they care about DTI and cash flow now, even with a solid credit score. I’ve seen folks with near-perfect scores get tripped up...

You're spot-on about the fine print—it's like navigating a maze sometimes. I've seen plenty of folks caught off guard by those adjustable rates too, e...

Yeah, grants can definitely test your patience with all that back-and-forth. Had a client recently who almost gave up halfway through because the pape...

Good points here. Many investors overlook liquidity chasing lower interest, but . I'd rather pay slightly more interest than risk being cash-strapped ...

I've actually run the numbers on this for a few clients, and generally speaking, earlier is better. Interest accrues daily on most loans, so tossing i...

When I renovated my first place, the original fireplace was a keeper—beautiful tilework, easy upkeep, and buyers loved it. But the old wood floors? Co...

I get the caution around equity financing, but honestly, traditional estate planning isn't always a walk in the park either. I've seen clients who tho...