Yeah, IRRRLs can look great at first glance, but have you considered the break-even point? Sometimes people overlook how long it'll actually take to r...

Yeah, appraisal can feel oddly subjective sometimes. Makes me wonder if it's more art than science... Did they factor in market trends or neighborhood...

Haha, yeah, grants can definitely feel like that sometimes. Curious though—did you ever run into issues later on when trying to refinance or sell? I'v...

True, simplicity can be underrated... but have you considered how long you plan to stay in your current home? Sometimes refinancing makes sense if you...