Hot Takes · Opinions, served warm
Spicy takes on mortgages, money, and the strange things people do with both. Built on thousands of mortgage applications and a belief that we can have a good time along the way.
Don’t Go Chasing 0.20%.
About $80 a month. That was the gap between the mortgage we’d arranged and the lower rate at their bank, two days before the financing deadline. They chose the rate. They lost the house.
Oct 29, 2026 · 5 min read
We Really Don’t Care Where You Bought Lunch
“Can you send me your last 90 days of bank statements?” And suddenly I’m asking for state secrets. Why the redactions make it worse, what we’re actually looking for, and why nobody cares about the Costco run.
Oct 15, 2026 · 7 min read
The Michael Jackson Soundtrack to Getting a Mortgage
There is a Michael Jackson song for almost every stage of getting a mortgage. From Wanna Be Startin' Somethin' to Remember the Time—the unofficial Hello Mortgage soundtrack, with apologies to the King of Pop.
Oct 1, 2026 · 8 min read
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