This is spot-on. Refinanced last year as a freelancer, and the big banks wouldn't even look twice at my paperwork—too messy for their liking. Ended up...

Went through something similar a few years back—thought about tapping into home equity to fund some renovations and maybe even invest a bit. Ended up ...

Totally with you on extra principal payments—been doing that myself for a while now. A couple things I've noticed: - Refinancing helped me drop the i...

Exactly. When I refinanced last year, having all my financial ducks in a row beforehand made the process way smoother. But honestly, even with pre-app...

Agreed, these programs do good work but they're stretched thin. A couple things I've noticed from refinancing my own place: - Nonprofits often rely h...