I get the concern about unpredictability, but isn’t there a case for ARMs if you’re planning to move or refinance before the rate adjusts? I’ve seen b...

I totally get your hesitation. When I refinanced, I made sure to set a strict limit—never tapping more than 70% of my home's appraised value. Also fac...

Yeah, refinancing can be tricky—I went through it myself a few years back. Had decent credit but still ran into unexpected hurdles with paperwork and ...

I appealed mine two years ago and honestly, it wasn't too bad. Took me maybe an hour or two to gather comps and submit everything online—no endless pa...