It’s wild how inconsistent it all is. I’ve refinanced twice in the last five years, and each time the underwriter fixated on something totally differe...

Honestly, I’m with you—paying upfront stings, but long-term it saves money. When I refinanced last year, I ran the numbers out of curiosity. Even a co...

Couldn’t agree more with the idea that once you’re in that “excellent” bracket, the difference between a 780 and an 820 is pretty negligible for most ...

I get where you’re coming from—numbers aren’t the whole story. When I refinanced last year, my DTI looked a bit high on paper, but I had a couple of r...