I've been trying to get better terms from my lender lately, and honestly, it felt like pulling teeth at first. But I found a few things that helped: first, I did my homework and knew exactly what other lenders were offering. Then I stayed calm and polite, even when they pushed back. And finally, I was ready to walk away if they didn't budge—turns out, that really got their attention, lol. Curious if anyone's got other tricks or maybe a smoother way to handle this stuff?
You're definitely on the right track with your approach—especially the part about being ready to walk away. I've found lenders (and honestly, most negotiators) respond best when they sense you're not desperate. One thing I'd add is timing: sometimes waiting until the end of the month or quarter can help, since lenders might be more motivated to hit their targets. But yeah, staying calm and informed is key... sounds like you've got this figured out already.
