Too many buyers think, “I’ll just refinance later.” That’s a dangerous bet. Refinancing is never guaranteed. Rates move, guidelines tighten, and equity can disappear faster than you think. Every loan product has its own loan-to-value limits and exit rules, and if you don’t plan for them before you close, you can trap yourself in a loan you can’t get out of. Comment YouTube and I’ll send you the link to subscribe so you can watch the full breakdown. #mgthemortgageguy #refinance #mortgage #realestate