I get where you’re coming from, but I’ve seen the opposite too—folks lose out on grants or assistance just because they tossed a letter or forgot a de...
Yeah, the definition of “income” is all over the place depending on who’s asking. I’ve seen lenders get picky about things like commissions or even si...
Paying Down the Mortgage Fast—But Not Too Fast That’s a lesson I’ve seen play out over and over. There’s this idea that being “mortgage free” is th...
Waiting for a credit bump can pay off, but I’d be careful about assuming it’s always the safer bet. Here’s how I usually break it down: 1. Get the h...
Rolling Credit Cards Into A New Mortgage: Worth It? I get what you’re saying about tracking every cent, but honestly, I think the bigger issue is fol...
Good points here, and I get what you're saying about bigger banks sometimes being clearer. I've had mixed experiences myself—smaller lenders can be gr...
Good point, though I'd add a small caveat—some assessors can dig in their heels, even with solid evidence. Had one who insisted my attic was "livable ...
Had a similar hassle myself. Honestly, lenders aren't exactly rushing to drop PMI since it's easy money for them, intentional or not. Best way I've fo...
Haha, yep, been there. Equity can be tempting, but it’s easy to get carried away with the "vision" and underestimate the real-world headaches. Before ...
Yeah, I get where you're coming from. Honestly, I've seen similar issues pop up regardless of lender size. Had a situation myself where a bigger lende...
Funny you mention that... I actually ran into something similar last year. My wife and I have a joint account we use strictly for household expenses, ...
Yeah, that's a good point. I think a lot of folks jump into tapping equity without fully thinking through the "what ifs." When I did mine, I actually ...
I've seen this happen a lot lately too, and honestly, it's probably more about compliance than competition. But here's something I've found helpful wh...
I've used both, and honestly, banks make HELOCs sound super flexible, but the variable rates can sneak up on you. Home equity loans are predictable—fi...