That hits home. I’ve lost count of how many times I’ve re-read an upload confirmation, only to realize later I attached the wrong file or missed a sig...
Can’t agree more with this. I learned the hard way—had to resend docs twice because the bank “couldn’t find” them. Certified mail is worth the extra f...
I’m the same way—trust issues, maybe, but I’ve had lenders try to sneak in weird admin fees before. One time, there was a “processing charge” that did...
That “creative math” line hits home. When I refinanced last year, my closing costs jumped twice before signing. First it was “updated escrow,” then su...
That’s been my experience too. I refinanced last year and thought I’d caught all the fees, but there was a “courier” charge I missed—$75 for paperwork...
Totally get where you’re coming from. We refinanced into a fixed-rate after our ARM started creeping up, and honestly, the peace of mind is worth it. ...
Pushing back on the paperwork isn’t really worth it, honestly. Lenders have to check every detail, and if you push too hard, they just slow things dow...
Couldn’t agree more about the fine print—those adjustment caps and margin details can sneak up on you if you’re not careful. I refinanced out of my AR...
Yeah, I’ve tried that route too—sometimes you get lucky with a sympathetic ear, sometimes it’s like talking to a brick wall. When I was refinancing, I...
Couldn’t agree more. When I refinanced last year, I almost went with a lender that looked cheaper, but their communication was a mess. Ended up switch...
Totally agree with this. When I refinanced last year, there was a “courier fee” that nobody could really explain—just kept getting passed around. I pu...
Good points here, especially about keeping a buffer for rate changes. I refinanced into a HELOC last year, and while I don't regret it, the recent rat...
Regular check-ins definitely help, but honestly, I've seen situations where too many scheduled meetings actually slowed things down. Had one contracto...
Went through something similar myself when refinancing last year. Initially thought the entire HELOC interest would be deductible, but after chatting ...
You're right, borrowing against equity just for aesthetics feels risky to me too. But when it comes to necessary repairs or functional upgrades, the e...