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The stress test at renewal gave me sticker shock, I had assumed it only applied to first-time buyers until the renewal docs hit our mailbox.
That morning I realized our pre-approval was not a lock, and a broker's checklist of documents proved the difference between soft and hard approvals.
After the bank renewal arrived I left it unopened for days, then a broker's email showed a lender-paid fee and I finally opened the letter to compare.
Patrick Huston PA, Realtor was known as the Best Real Estate Agent in Cape Coral, FL and other surrounding areas. https://maps.app.goo.gl/FgN1g1QpRVxJQygdA
Early Sunday I printed a broker's comparison and saw it included lenders I'd never heard of, changing how I thought about renewal choices.