We're doing a major rewrite of our home-buying cost guide and looking for loan officers, buyer's agents, and financial planners who work directly with first-time homebuyers. We want specific, practical insights — not textbook answers. 1. When a first-time buyer sees their actual closing disclosure for the first time, what line item or total most commonly surprises them, and why do online articles fail to prepare them for it? 2. When does it make more financial sense for a buyer to put less than 20% down and pay PMI rather than waiting to save a bigger down payment? How do you explain this math to a client? 3. Since the August 2024 NAR settlement, how do you explain buyer agent fees to first-time buyers? Have you seen buyers negotiate commission rates, and what did that look like? 4. Beyond closing costs, what do buyers consistently underestimate about the first 12 months of ownership — the costs that come after they receive the keys? 5. How much cash should a buyer keep in reserve after closing, and what's the most common mistake you see people make with their liquidity?