Insurance companies usually have their own internal scoring systems, and the tipping point can vary quite a bit. It's not always just the number of cl...

Had a client last year who kept putting it off because he was convinced rates would dip "just a bit more"...then his wife got sick, and refinancing un...

Yeah, lenders can definitely be sticklers about that 22% threshold. Have you checked your lender's specific guidelines on early PMI removal? Some are ...

That's a really good perspective on interest rates—people often underestimate how quickly they can shift. When I bought my first place, I was so fixat...

Good advice overall, but I'm curious—do you think basement waterproofing is always worth the hefty price tag? I've had clients who've gone that route ...

Have you considered how the down payment affects your overall financial stability after bankruptcy? A larger down payment can lower your monthly mortg...

Building an emergency fund first is definitely smart, but have you considered scenarios where tapping into equity might actually help build financial ...

Interesting perspective, but do you think having a clear plan from the start really prevents impulse spending? I've seen plenty of folks who mapped ou...

Yeah, HELOCs are pretty flexible like that, but gotta watch out for the variable interest rates—they can sneak up on you. Anyone here ever had their r...

Ran into this question a lot when rates started shifting again. The key really comes down to your specific numbers—how much lower is the rate you're g...