Went through FMERR last year—honestly, felt more complicated than HARP. My credit was decent, but they seemed pretty strict about debt ratios. Ended u...

Good points overall, but a couple things to keep in mind from my experience: - Switching jobs right before refinancing can definitely trigger extra s...

- Went through the exact same thing. Local lender loved our quirky property but rates were steep. - Ended up checking with a credit union nearby—still...

Yeah, those introductory offers can really sneak up on you if you're not watching closely. I've found refinancing helpful overall, but I'm curious—did...

Totally agree with spacing things out. A few tips from experience: - Prioritize internal upgrades first (like plumbing or insulation)—less visible, bu...

Been there myself—bought a place a few years back and found water damage behind the bathroom walls just weeks later. Inspectors can be hit or miss, ho...