Honestly, I see this all the time—people get pre-approved for way more than they’re actually comfortable spending. Lenders are just running numbers, b...

You nailed it about the paperwork—it’s rarely as “basic” as people hope. I’ve seen folks with totally clean finances get asked for explanations on thi...

I hear you—those LLC reps at open houses are everywhere lately. But if corporate buyers get pushed out, do we just see more small-time investors or fa...

ORIGINATION FEES—ARE THEY REALLY NEGOTIABLE? You’re not wrong about some of those “processing” or “review” fees. They can be a bit... creative, and t...

I get the frustration—faxing feels like time travel, but not in a good way. I’ve seen a few lenders claim to be “fully digital,” but when you dig in, ...

Title: Home equity loans and taxes—did you know this? That’s a tough lesson, and honestly, you’re not alone. The way the IRS draws those lines betwee...

That’s honestly the most accurate description I’ve heard. The level of scrutiny can feel over the top, but it’s all about making sure there aren’t any...

That’s a solid point—“no closing costs” almost always means you’re paying for it somewhere else, usually in the rate. Sometimes folks get caught up in...

That “stuff slips through” part really resonates. I remember catching a weird “document handling fee” buried in my closing docs—$400 for something I’d...

I hear you on the “just in case” cushion. That’s probably the biggest hesitation I see when folks are thinking about refinancing, especially with a VA...