Can't argue with that logic. Timing the market perfectly is nearly impossible anyway—sounds like you made a solid call. I refinanced once and stuck wi...

Actually, it can. My cousin flipped a house in an upscale neighborhood, and buyers there definitely expected those quartz countertops and designer fix...

Yeah, inspections can feel like a racket sometimes, but they're definitely worth it in the long run. Kinda like paying off debt early—hurts upfront, b...

Yeah, refinancing can be tempting when rates drop, but don't just chase the short-term relief. Had a buddy who refinanced twice and ended up paying wa...

Yeah, good points overall. I agree payment history should count more, but honestly, regulators probably see it as too subjective. I've worked on my cr...

That's a decent workaround, but honestly, averaging multiple calculators feels like extra work to me—almost as much as the spreadsheet hassle you're a...