I get where you’re coming from, but sometimes waiting isn’t all it’s cracked up to be either. I’ve seen folks try to “time the market” or wait for the...

I totally get the temptation to wait for that “just a little bit lower” rate—like waiting for avocados to ripen, but less delicious and way more stres...

Yep, been there—once had a payment “lost” for two weeks, and the bank acted like I was asking them to find Atlantis. One extra tip: if you ever do biw...

Yep, been there myself—thought I nailed the checklist until winter rolled around and discovered my driveway turns into an Olympic luge track after eve...

Exactly. I've seen a few cases where lenders budged slightly, but usually only if there's some competition involved—like if you casually mention anoth...

Haha, sounds familiar. Had a loan officer once who was super responsive—always quick to reply—but somehow kept asking for the same docs over and over....

Haha, the NASA clearance comparison is gold... honestly, VA refis can feel like assembling IKEA furniture without instructions—confusing at first, but...

Totally get what you're saying about smaller lenders. Last year, I had a client who went with a smaller lender for a refi—killer rate, but man, the pa...

Good points overall, but I'm gonna gently push back on the extended warranty thing. In my experience, those warranties often sound great upfront but r...

Totally agree about the analysis paralysis thing—been there myself. I remember when I bought my first place, I obsessed over every tiny rate fluctuati...