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Rate and Term Refinance
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I refinanced last year and yeah, those closing costs definitely snuck up on me too. Felt like buying a ticket to a concert and then getting slapped with all those random "convenience fees" at checkout... Still, locking in that lower rate was worth the temporary wallet pain.
Yeah, those closing costs caught me off guard too... felt like every time I turned around, there was another fee popping up. Did you notice how vague some of the descriptions were? Like "processing fee"—what exactly are they processing that's worth hundreds of dollars? Still, can't deny the relief of seeing that lower monthly payment now. Curious though, did anyone else find negotiating or shopping around helped cut down on those fees at all?
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