Requirement changes mid-process? Unfortunately, yes—been there, done that. I was halfway through my own application last year when they suddenly wante...

You’re spot on about the difference between the VA appraisal and a proper inspection. I’ve been through this process a couple times, and honestly, I w...

Honestly, I’ve had a near-perfect score for years and still got grilled over “unusual” deposits—once it was just a birthday check from my aunt. Like y...

Totally hear you—those inspection costs can sting, especially when you’re already stretched thin from everything else involved in buying. I’ve tried t...

The HR letter thing drove me nuts when I bought my place. I remember thinking, "You’ve got my paystubs, what more do you want?" But yeah, they’re just...

That’s a good point about stretching out the debt. I’ve always wondered if people actually stick to their payoff plans after rolling debt into a mortg...