This one should be a doozy. My goal is to publish by the weekend.

I’m going to do everything I can to not truly light into the lender who lied to me, and most importantly, my client, this year but I’ll aim tell a good story nonetheless.
Interested? Sign up here for one email a month. Readers seem to like the note; darn near 70% opened it last month!
Reminder: This note is not for those in the real estate world, it’s for consumers, buyers, sellers, and those who may be seeking real estate representation … I do practice real estate for a living!
Interested in Learning More?
Jim Duncan has been helping buyers and sellers in Charlottesville’s neighborhoods for 25 years. Get local insight born of experience.
Dig Deeper
Time, Complications, Contextual Fears, and Poop in Sinks | Jim’s Note August 2026
#190 This month: Our HVAC went out a few weeks ago — hot, real hot, and naturally on a Friday. My wife and I remarked that we had just put the new system in, until I pulled up the invoice and found that “just” was…
July 2026 Monthly Note: Say Hi More Often, Cleaning Karma, and the Cash “Discount”
#189 My notes are where I put my best writing, where I encourage you to subscribe as it’s only the one email a month, and I do my level best to write each note as if I’m writing it to one person – you (and…
June 2026 Monthly Note | Your House Won’t be on Zillow, and other Threads
I write these notes every month. This is the link to this one on Substack, where you can subscribe. I post them here because much like real estate, I rent at Substack and I own here. Issue #188 Hi. My name is Jim. And I’m…
Friction, Quiet Wins, 69% and Sticks in a Creek | Note from Jim May 2026
I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Issue #187 Making the May note by the skin of my teeth. It’s been a productive…