Curious though, does ditching PMI always mean refinancing? I've heard some lenders let you request removal once you hit 20% equity without the whole r...

Good points, but I'm wondering—is it always fair to assume defensiveness means something shady? I've seen legit companies get flustered too, especiall...

Couldn't agree more with this. Did you find lenders were flexible about slightly lower down payments post-bankruptcy, or was it a struggle to negotiat...