Totally get where you’re coming from. I remember stressing over PMI when I bought my place—felt like lighting money on fire. But looking back, the mar...

Couldn’t agree more about the “I’ll pay extra when I can” trap. I told myself the same thing on my first 30-year and, honestly, life just kept eating ...

I get what you're saying about face-to-face interactions feeling more reassuring, especially with something as important as refinancing. But honestly,...

Good points there. I went fixed-rate myself because I knew I'd lose sleep worrying about rate hikes, but I've seen friends do really well with adjusta...

I get what you're saying about escrow protecting the lender, but honestly, I've always felt like escrow accounts are a bit overrated. Sure, lenders fr...

Yeah, appraisal fees can sometimes be flexible—I once had a lender knock off half the cost just by mentioning another offer. Never hurts to ask polite...

Yeah, finishing basements or adding rooms rarely bumps the appraisal as much as people think... learned that myself after putting in a deck. Usually, ...

Haha, I've noticed the same thing. It's almost like the universe can smell when you've got your act together and decides to leave you alone for a bit....

Checking your lender's site is definitely underrated advice. When I was dealing with foreclosure stress a few years back, I found out my bank actually...