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Agreed on the reset risk, though I’d treat portability as secondary unless moving during that year is a realistic possibility. Don’t assume the word means the existing rate automatically follows you to another property; ask the lender to explain the conditions in writing. A simple table should...

I’d compare total cost through month 12 first: payments, lender fees, and the remaining balance at that point. APR is useful, but it can be misleading for your decision if its assumptions do not match a one-year comparison period. The missing detail is what happens after year one. How is the...

What are you treating as the main record: the lead system, the transaction system or the document store? Also, does “across countries” mean one shared workflow or genuinely comparable flood information? Those are different requirements.

We are torn between choosing one broad energy assessment platform and linking several narrower tools. The first sounds simpler, while the second may give us more control, but neither approach helps if each handoff creates more copying or hides the previous person's work. I would like to hear...