That’s the perfect way to put it. I refinanced last year thinking I’d finally get a break, but then the AC died in July—right in the middle of a heatw...

I hear you on the communication thing. When I refinanced last year, I thought I was in the clear after sending a mountain of paperwork. Then, out of n...

I hear you on the paperwork. When I refinanced last year, I thought I had everything nailed down, but the title company found a decades-old mineral ri...

I went through a loan modification process a couple years back when my hours got cut at work. It was honestly more paperwork than I expected—bank stat...

Had to laugh at the coffee and spreadsheets bit—been there. When we refinanced our house last year, I seriously considered one of those debt consolida...

I get the appeal of paper backups, but honestly, I’ve lost more notes than I’ve saved that way. Once had a crucial Fed announcement reminder end up in...