Haha, lenders really do act like you're trying to pull a fast one sometimes. When I refinanced a few years back, I learned to prep ahead—got all my do...

Yeah, agreed—references are key. I've found even solid recommendations can sometimes miss the mark though... ever had someone highly recommended still...

Yep, totally agree. Cosmetic stuff is nice for peace of mind, but equity's the real game changer. Also, refinancing can sometimes speed things up if r...