I get what you’re saying about not wanting to rock the boat, but isn’t there a risk in sticking with the same company just because it feels comfortabl...

I’ve wondered the same thing. From what I’ve seen, counselors are great at cutting through red tape, but I haven’t heard of them pulling off miracles ...

Honestly, I’m with you on the admin nightmare. I tried splitting between fixed and variable last year thinking I’d outsmart the banks, but ended up wi...

LEVERAGING EQUITY FEELS LIKE GAMBLING SOMETIMES I get where you’re coming from, but I’m not totally sold that using home equity is always a smart pla...

Yeah, I get what you mean about the old-school approach. I just refinanced last year and honestly, I was rolling my eyes at all the paperwork and snai...

I’m right there with you on the paperwork. When we refinanced last year, I thought I was being super organized—turns out, not organized enough. They w...

Yeah, that’s what tripped me up. I figured I’d refi before the balloon, but rates shot up and suddenly it wasn’t so simple. Renting covered most of my...

I get where you're coming from—my lender was pretty rigid about the 20% equity rule too, but I did manage to request a new appraisal after about two y...

I refinanced last year and seriously considered an ARM because the initial rates looked so appealing. But then I started asking myself—am I really com...