Yeah, that's exactly why I've hesitated to use escrow for refinancing. On paper, it sounds like a safety net, but in practice it feels like you're han...

Yeah, I totally get your point about lenders being cautious—honestly, I'd rather have them err on the side of caution than risk another housing crisis...

Yeah, that's been my experience too. We refinanced last year hoping to ditch mortgage insurance, and we debated doing a bunch of cosmetic upgrades bef...

This is spot on. When I refinanced last year, I thought I had everything covered until they flagged a random transfer from my savings account. Suddenl...

Totally get why you're feeling overwhelmed—been there myself. Honestly, sounds like you've already done the hardest part by diving into the numbers an...