That one always cracks me up. I had a client who had to write three separate letters for moving money between her OWN accounts. It’s not even about th...

Honestly, you nailed it with this: I’ve seen way too many folks stress themselves out over a tenth of a percent. Had a client last year who kept wai...

Couldn’t agree more on the break-even sneaking up—seen plenty of folks surprised when they realize they’d have to stay put way longer than planned to ...

I’ve seen folks jump in with the bare minimum down payment, thinking they’d just “figure it out later,” and honestly, some ended up scrambling when th...

Yeah, those calculators never factor in the curveballs life throws at you. I’ve seen folks refinance for a killer rate, then get relocated for work si...

Couldn’t agree more with this. I’ve seen folks just accept every line item because it “looked official.” One time, a client flagged a “courier fee” th...

Yeah, can't argue with that skepticism. I've had clients who were nudged into longer terms because the monthly payments looked friendlier, but when we...

I hear you on trusting your gut, but I'd say it's also about timing. Jumped into mortgage brokering after years in a safe corporate gig—definitely sca...

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...