Had a deal last year where the independent escrow agent was way more responsive than any big bank rep I’ve worked with. That said, I totally get this ...

- Fair point about market timing, but remember credit recovery isn't linear—sometimes it's quicker than you'd expect, other times painfully slow. - I'...

Went through a similar thought process myself a couple years back. Here's what I found from personal experience: - Initially, the idea of shortening ...

Totally get your hesitation—it's your home on the line, after all. When I went through it, my lender did outline the risks, but honestly, I had to pus...

Good points here, especially about shorter terms. I'd also wonder if you've considered adjustable-rate options—sometimes they're overlooked but can be...

- Usually, I'll set aside around 10-15%, depending on how volatile the market feels at the time. - But honestly, sometimes even that feels like guessw...

- Totally relate on the foreclosure thing, went through it myself about 5 years ago. Definitely not fun times. - From what I've seen, lenders usually ...