Had a similar experience—my lender barely glanced at my monthly expenses. Felt weirdly casual. I actually asked them if they needed more details, but ...

Went through something similar myself. Refinanced a few years back thinking I'd stay put for at least 4-5 years, but life had other plans—family emerg...

We had the opposite experience—redid our guest bath thinking it'd boost value, but appraisal barely budged. Maybe it depends more on neighborhood comp...

You're actually doing pretty well covering your bases—definitely ahead of most people I've known (myself included). One thing I'd add is maybe looking...