Yeah, those “non-negotiable” fees are a pain—seems like every lender has their own list, and they rarely budge. I’ve found that just asking for a brea...

Fair enough, but I'd say it depends on your comfort level with the whole process. Refinancing can definitely save you money—I did it myself a couple y...

I refinanced a few years back and had a similar experience. It did help me consolidate some higher-interest debts, but honestly, it wasn't the financi...

Exactly why I stick with Excel too. Had a scare a couple years back—thought I'd found this great budgeting software, but it glitched and lost about 3 ...

Exactly this. I've seen deals stall out at smaller banks because the underwriter wasn't familiar with rental income or side hustles. Sometimes bigger ...

Had a similar escrow issue myself a couple years back—took weeks to sort out, and I swear every call felt like starting from scratch. Your advice abou...