Couldn’t agree more. I walked away from a refi last year when the fees kept creeping up—felt like every time I blinked, there was a new “mandatory” ch...

I tried pushing back on the fees, but they wouldn’t budge. Ended up switching lenders, even though it was a hassle. Funny thing is, the new lender act...

Yeah, that MIP really sneaks up on you. When I bought with a 590 score, I figured I’d just refi in a year or two—didn’t count on rates jumping and bei...

That’s been my experience too. When I refinanced last year, I tried both routes just to see if the online hype was worth it. The online lender had a s...

CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX I get where you’re coming from, but I don’t totally buy that it’s all random. I just refinanced last year...

I refinanced last year to pull some equity out, and even that was a paperwork headache—plus fees I hadn’t planned for. At least I knew exactly what I ...

Had the opposite experience myself. My lender barely glanced at my subscriptions or spending habits, and honestly, it made me a bit uneasy. I mean, su...

Totally agree with this. When we refinanced to remodel our kitchen, I thought I'd save money by installing cabinets myself...big mistake. Ended up cos...

Yeah, you're spot on about lenders being unpredictable. When we refinanced, everything looked perfect until underwriting randomly questioned a tiny ga...

When I refinanced a couple years back, I almost skipped getting advice because I figured it was just paperwork and numbers. But a friend nudged me to ...