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I finally got pre-approved, but a loan officer in Boise made me rethink my whole budget
Met with her at her office downtown, and she pulled up my numbers and said flat out: "You can afford $340k, but I don't think you should spend more than $280k." Nobody had framed it like that to me before. Every online calculator just gave me a ceiling. She talked about taxes and insurance creeping up and a roof fund, stuff I had not really sat down and priced out. Now I'm second guessing listings I was ready to chase. Did a lender ever talk you down from your max, and did you regret listening or not listening?
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