Title: Why do rates jump around so much? It’s funny, I remember stressing over a quarter-point difference when I bought my place. Looking back, I pro...

That’s exactly what happened to us. We took a 7/1 ARM thinking we’d be out in four years, tops. Ended up staying almost nine. The first adjustment was...

That’s been my experience too. The small stuff gets all the attention, while the bigger, more obvious transactions seem to slide right through. When I...

Honestly, those “processing” and “fax” fees crack me up—like, who’s actually faxing anything these days? I agree, it pays to question every line item....

Yeah, the paperwork can get pretty ridiculous. I remember when my lender asked for a letter from HR just to confirm my visa status, even though they a...

Never actually seen a score nosedive just from a mortgage inquiry. In my experience, it’s usually a couple points—barely noticeable unless you’re watc...

That's a good way to put it. I've refinanced twice now, and each time felt like a gamble with appraisals and paperwork. Honestly, automated estimates ...

I've refinanced twice in the past ten years, and honestly, negotiating was pretty mixed. Some lenders were very receptive, while others had fixed term...

Totally agree with your points on predictability. I've had a HELOC myself, and while it worked fine initially, the rate hikes caught me off guard too....

Haha, exactly my thoughts. Had an appraisal once where the guy barely glanced around, scribbled some notes, and left in under 15 minutes. Another time...

Couldn't agree more with this point. We refinanced from an interest-only loan to a fixed-rate mortgage about five years ago, and while it did initiall...

Did it myself once... never again. Saving money sounds great until you're knee-deep in paperwork at midnight, googling legal terms. Sometimes peace of...