I've seen this happen more times than I can count. Had a client last year—great income, solid credit—but the bank got hung up on a few random Uber Eat...

I totally get where you're coming from with the flexibility angle. A few years back, I had a client who was dead set on aggressively paying down their...

Escrow can feel like a pain in the neck (and wallet), but honestly, I've seen stuff way smaller than two inches cause major headaches down the line. H...

I've noticed the same thing with local lenders being more responsive. Last year, I had a client refinancing his VA loan with a big national lender, an...

You're spot-on with this. I've worked with countless lenders over the years, and honestly, truly "no cost" refis are unicorns. Closest I've seen was a...