That's a really good point that often gets overlooked. When I refinanced about five years ago, I was so focused on lowering my monthly payment that I ...

I've been through the appraisal rollercoaster a few times myself, and while having extra cash on hand is definitely smart, sometimes renegotiating ter...

Glad it worked out for you, but honestly, I wouldn't get my hopes up that banks are suddenly becoming generous. Tried modifying mine recently too, and...