I get where you’re coming from, but I’ll admit I’m one of those people who used to obsess over every little rate shift. It’s easy to fall into that tr...
That line made me laugh because it’s painfully true. Portfolio loans are like that “wild card” friend—fun in a pinch, but definitely not who you want ...
Honestly, I’ve lost count of how many times I’ve spotted “document prep” or “courier” fees that magically disappear once I start asking questions. It’...
Totally get where you’re coming from. I’ve noticed that when I had the option to “pay extra when I can,” it just didn’t happen as often as I’d planned...
Honestly, it’s wild how inconsistent lenders are. You’d think a 740 would open doors, but nope—sometimes they act like you’re barely scraping by. I to...
RATES AREN’T THE ONLY THING TO WATCH I get the point about not chasing the “perfect” rate, but honestly, I think too many people jump into loans just...
Couldn't agree more with this. Something else worth thinking about is how refinancing impacts your credit profile. Every time you refinance, you're es...
I get what you're saying about tracking every little thing—it can definitely feel tedious at first. But honestly, after a couple months, it became sec...
I've noticed the same thing—those inquiry windows aren't always as clear-cut as they're supposed to be. I think part of the confusion comes from diffe...
Temporary fencing might work short-term, but honestly, deer adapt pretty quickly. I've seen them jump surprisingly high fences or even squeeze through...
Good heads-up on the 1098—digital statements seem convenient, but lenders can be oddly inconsistent about official forms. Had a similar issue once whe...
Totally agree with you about finding that balance. It's easy to get caught up in the excitement of chasing a dream job, but financial stability really...
Totally agree with this point. When I refinanced last year, I initially didn't even think about getting a new appraisal. But after seeing how much hom...
HARP was a great option back in the day, but unfortunately, the original program expired at the end of 2018. If you're still looking into refinancing ...