I've seen this go both ways too. A buddy of mine consolidated his credit cards using home equity and at first, he was ecstatic—lower interest, one eas...

Couldn’t agree more. Lenders can be as unpredictable as my Wi-Fi on a rainy day... Another tip: keep your credit profile squeaky clean beforehand—make...

Totally with you on this one. When we refinanced a couple years back, we had a similar experience. Went with someone recommended by my brother-in-law,...