That’s exactly where I’m at. My brain just can’t get excited about “tax savings” if it means I’m forking over more in interest for years. I get the no...

Right?? I swear, every lender I talked to had their own “secret menu” of fees that might be negotiable if you ask at the right time or say the magic w...

Honestly, the whole “get it in writing” thing is wild—never thought I’d need to keep a folder of emails like I’m prepping for court, but here we are. ...