Totally agree, especially on getting everything in writing. A few extra points from my experience refinancing and dealing with HOAs: - Even if the HO...

I refinanced about two years ago and switched to bi-weekly payments too. At first, I honestly thought it was just a gimmick—didn't feel like much was ...

Fully agree on inspections being crucial, but escrow holdbacks can also get tricky if the terms aren't crystal clear. A couple thoughts from refinanci...

Went through something similar myself. A few years back, I felt like I was just spinning my wheels with interest payments, barely touching the princip...

Good tips, especially the appraisal docs—those can be a pain to track down. A couple other things I'd add from my refi experience: - Double-check you...