Haha, yeah I've seen that movie too—spoiler alert: it doesn't always end well. Jokes aside, you're spot-on about running the numbers carefully. I once...

Haha, totally get that. It's funny how much difference a little human touch makes, especially when you're sweating bullets over your credit score (bee...

Yeah, lenders have definitely tightened up since the HARP days. I remember refinancing under HARP myself—felt like they barely glanced at my credit hi...

Haha, totally feel you on the patience thing...mine's usually hanging by a thread by the time we get to underwriting. I've found that lenders apprecia...

Totally agree about shopping around—it's funny how insurers can be so different. A couple years back, I went through something similar but with my cre...

Good points about record-keeping... learned that lesson myself after scrambling through a shoebox of faded receipts at 11:45pm on tax day (fun times, ...

Totally agree on the liquidity snapshot—saved me once too. Another thing that helped was showing a detailed plan for property improvements. Lenders lo...