I hear you on the local knowledge, but I’d argue transparency is just as important. I’ve seen lenders who know Texas inside out but still bury fees in...

One thing that surprised me was the escrow cushion. I knew about escrow accounts for taxes and insurance, but didn't realize lenders often require an ...

I appreciate your perspective here, especially the caution about cosmetic upgrades. When we first bought our house, we were tempted by all sorts of fl...