Same here—I see this happen a lot with clients. When I refinanced my own place a couple years back, I thought I had it all dialed in too, but escrow t...

That's a solid point about sealing gaps—I always tell clients that small fixes can add up surprisingly fast, especially if you're not ready to drop bi...

From what I've been seeing lately, the original HARP officially wrapped up a while back. But there are still some similar refinance options floating a...

Totally relate to this. I've seen plenty of folks wait for that "perfect" moment, only to realize later it already passed by. Honestly, the market's a...

Totally agree, tracking spending is eye-opening. I used to grab coffee out every morning without thinking twice—until I realized I was dropping close ...