Haha, relatable. Reminds me of the time I had to convince the assessor that a basement with a dirt floor wasn't exactly "finished living space." Took ...

Yeah, you're right—HARP wrapped up a while ago, think it was around 2018 or so. Pretty sure they replaced it with something called the High LTV Refina...

That's a really balanced take. I've tapped equity myself a couple of times, and you're right—discipline is key. A few years back, I got a bit carried ...

Yeah, your experience lines up pretty closely with mine. When we refinanced a couple years ago, I was worried about my credit card balances too—nothin...

I've wondered about that too... I mean, if it's something major like a whole new addition, you're probably better off mentioning it upfront to avoid h...