Totally get what you're saying about the banks knowing your spending better than you do... felt the same way when we refinanced last year. Honestly th...

Exactly. If you're refinancing, the bank will send someone out for an official appraisal anyway. Just focus on your mortgage balance vs. appraisal val...

Had something similar happen when refinancing recently. Here's what worked for me: 1. Pulled my own comps—recent sales nearby, similar size, conditio...