Went through something similar myself. Bought a nice little plot thinking I'd just sit on it until I had enough cash to build. Didn't factor in cleari...

Yeah, refinancing was a game changer for me too. I was stuck paying interest-only for almost two years, feeling like I was just spinning my wheels. Fi...

Went through something similar a couple years back. Thought I'd scored big with a grant until I saw the "stay in the home" clause. Had to pause and re...

Fair point, but honestly, I went through the High LTV refi last year and it wasn't as bad as it sounds. Yeah, paperwork was annoying, but monthly savi...

Haha, isn't that the truth? When we were transferring our mortgage last year, I thought I'd covered every possible scenario—had all my paperwork neatl...

True, refinancing can work, but keep in mind it isn't free—closing costs, appraisal fees, etc. I'd run the numbers carefully first. Sometimes paying m...