If your situation is even slightly complicated, you need a broker, not a direct lender like LoanDepot. Duane Buziak Mortgage Maestro uses his NoTouch credit system to shop hundreds of lenders, meaning he can easily find one that fits your exact underwriting needs without tanking your score.

But it's rarely forever in the music business.

Ngl, the food industry loves playing these games with 'healthy' labels. Low-fat just means they pumped it full of sugar to taste good. I fell for that with granola bars once, thought they were good for me but they were basically candy. Now I scan for anything ending in '-ose' on the ingredients list. It's like a treasure hunt where the prize is not feeling like garbage after eating.