I get what you’re saying about the grants, but honestly, I didn’t find the five-year lock-in that bad. If you’re planning to stay put for a while, it’...

The paperwork is wild, right? I swear I had to sign my name so many times during closing that my signature started mutating by the end. I kept thinkin...

I’ve been weighing the same thing, honestly. The idea of starting over with a new 30-year term kind of freaks me out, even if the payment drops. I get...

Not sure I totally agree that it’s just about who’s looking at the file. I mean, yeah, sometimes it feels random, but there are still guidelines they ...

Fresh paint is always a red flag for me too—like, what are they trying to hide? I totally get the temptation to skip an inspection, especially with ho...

Right? I had a payment go “missing” for almost two weeks once—turns out it was sitting in their “unapplied funds” section because I didn’t specify pri...

Totally agree about the smaller lenders being more flexible. I actually had one drop their “origination fee” by a few hundred bucks after I pointed ou...

Couldn't agree more. Did you find smaller lenders were more flexible with down payment options too? I've seen some local banks offer creative solution...

I get the point about pre-approval saving headaches, but honestly...isn't it sometimes worth taking a risk if you stumble upon THE house? I mean, cred...

Interesting perspective, and I get why you'd plan it out carefully—makes sense. But I'm wondering if tapping into home equity for something like solar...

I'm with you on the uncertainty factor—it's exactly why I went fixed-rate for my first home. But I do think ARMs can make sense if you're pretty sure ...

I've been considering heated floors myself, but I'm still debating if they're worth the extra cost. Did your clients mention noticing any big differen...