I've been hearing good things about VA IRRRLs lately too, though I don't qualify myself. Is HARP even still around these days? Thought they phased it ...

Yeah, zoning can be such a wildcard...we bought our land thinking we'd build within a year or two, but life happened and suddenly it's been four years...

Totally feel you on this one. Bought my first place last year, and I swear the house waited until exactly two weeks after closing to spring a plumbing...

Yeah, those closing costs are exactly why I hesitated on refinancing too. We just bought our first place last year, and honestly, we're still figuring...