Yeah, patience is definitely becoming the unofficial requirement these days, haha. Had a friend recently who waited forever for an appraisal only to f...

Yeah, enforcement really can be all over the place. Had a lender once who explained everything like I was five (which honestly helped), and another wh...

Totally agree about insulation being overlooked. Reminds me of when I splurged on fancy new windows thinking I'd slash my energy bill... only to find ...

I get what you're saying about the break-even point, but tbh, refinancing isn't always just about lowering monthly payments. A couple years back, I re...