Mortgage terms aren’t a foreign language… but if you don’t truly understand them, they might as well be.

We’ll talk favoritism, discrimination (yes, the real history), Oscar the Grouch 🗑️, and why “garbage in, garbage out” can wreck an otherwise solid mortgage file. This isn’t scare tactics — it’s protection. Because if you don’t understand how these systems work, someone else can absolutely use that against you. And trust me… they will try.