Funny thing is, I used to think the same until I actually ran the numbers on my last ARM. The lower intro rate saved me a chunk up front, and I was ab...

Man, you’re not kidding. My escrow went up twice last year—felt like a surprise bill every time. I swear, the mortgage payment is just the tip of the ...

That's a solid point about the extra payments. When I first bought my place, I was pretty fixated on refinancing too, thinking it was the only real wa...

Yeah, totally get that. I used to think escrow was just banks holding onto my money unnecessarily, but after nearly missing a payment myself during a ...

Totally get the psychological angle, but for me, avalanche worked better. I'm a numbers guy, so seeing how much I'd save in interest was motivating en...

Yeah, appliance replacement reserves caught me off guard too. Had a lender ask for reserves specifically for kitchen appliances because the inspector ...