Ugh, starting the waiver early is smart, but that fee cap idea is risky. Pushing for that can really annoy the lender's counsel. They might slow walk your request even more out of spite. Better to just ask for regular billing updates instead. That keeps things moving and you can still watch the costs.

Bad ground" sounds a bit dramatic for a driveway crack. Most of the time it's just normal settling or weather changes. My parents' slab has had the same hairline crack for a decade and it hasn't gotten worse.

People excuse so much by calling it "nature" now.