Went through something similar when we refinanced to redo our kitchen. Thought it'd be straightforward, but once we opened things up, found water dama...

Totally hear you on the closing costs thing. When I refinanced a while back, I almost overlooked that too. Thought I was getting this amazing deal unt...

Exactly. Learned this the hard way when refinancing last year—my cloud folder suddenly wouldn't open, and I was scrambling for my tax docs. Now I keep...

Did the same thing last year—finally ditched our pink floral nightmare. Rates were decent, payments manageable, and honestly, my stress levels dropped...