That’s a great point about waiting it out. I remember when we first bought, our score wasn’t terrible, but not great either—ended up with a higher rat...

That bit about the “museum” filing cabinet made me laugh—mine’s got stuff from my last refi that I’m still afraid to toss. When I refinanced, I had t...

That really hits home. I remember the first time I looked into refinancing, I got so tangled up in all the “what ifs” and rate calculators that I almo...

Totally get where you’re coming from. I always wonder if the time spent chasing a warranty is even worth it, especially for stuff under $500. Ever had...

That’s been my experience too. I tried getting a refi quote online and the “processing fee” was just buried in a long list of charges—no real breakdow...

I totally get what you mean about wanting straight answers. When I refinanced last year, I ran into the same thing—my agent kept glossing over the fee...

Totally get where you're coming from. I was in a similar boat—kept telling myself, “Just a few more points and I’ll hit that magic number.” But then I...

Yeah, the break-even point is what trips a lot of people up. I remember getting all excited about a lower rate offer, but once I started adding up the...

Processing fee got me too, and then there was something called a “courier fee”—like, are they hand-delivering my paperwork on horseback or what? I sta...

That’s such a good point about life throwing curveballs. When we refinanced, I thought we’d be here forever, but then my partner’s job almost moved us...

Yeah, it's definitely not just you. When we refinanced a couple years ago, I swear I read the same paragraph five times and still couldn't tell you wh...