Interest rates have dropped—but your borrowing power hasn’t budged? In this Finance Friday edition of Wealth Coffee Chats, we unpack why. The answer? A quiet update to HEM (Household Expenditure Measure) calculations that banks use behind the scenes. Discover how rising living cost benchmarks, outdated paperwork, and lender systems could be holding you back. Plus, learn why submitting complete documentation is critical for faster, stronger loan approvals.