Couldn't agree more with this. I've seen plenty of people get tempted by the lower initial rates of ARMs, only to regret it when circumstances changed...

I've definitely seen appraisal swings like that happen before. Had a client last year whose appraisal came back way lower than expected, and we were s...

That's a solid catch. Sometimes the flashy stuff looks great on paper, but there's usually a hidden price tag somewhere... Glad your gut steered you c...

You're right that refinancing is mostly math, but there's also the emotional side of things—like if you refinance and then rates drop even lower, you ...

Solid advice here. One thing I'd add—make sure you look beyond just the monthly payment. I've seen folks jump into shorter terms for the equity boost,...