Tracking interest closely is a smart move. I've seen plenty of people surprised by how much of their monthly payment just disappears into interest. Au...

Good points all around, but honestly I've seen a few situations where refinancing doesn't pan out either. I had a client recently who was dead set on ...

Great advice on balloon payments—those can definitely blindside folks if they're not ready. One thing I'd add is to watch out for prepayment penalties...