Yeah, this is a solid point. A few years ago, I almost jumped on a refinance deal because the monthly savings seemed amazing—like a couple hundred buc...

Haha, I felt that. My old apartment had windows so drafty I swear they were haunted—I'd sit there wrapped in blankets, sipping tea, wondering if I was...

Gotta say, I get your point about insulation and windows making a big difference—I upgraded mine a few years back and definitely saw a drop in heating...

Yeah, that's solid advice, but honestly, I've seen it go both ways. A buddy of mine found his dream place out of nowhere—no pre-approval, nothing. He ...