That’s a fair point—sometimes the fine print is just as important as the headline offer. I’ve seen a few folks get tripped up by grant “recapture” cla...

I've had mixed results myself. Once, I called my lender after my credit jumped about 50 points, thinking they'd budge... nope, no dice. But refinancin...

Interesting perspective on local lenders. I've always wondered if smaller institutions might be more flexible with unique property situations like you...

That's a really good perspective, and I mostly agree. One thing I'd add though is that refinancing doesn't always mean resetting the clock completely....

Smaller lenders can definitely be a mixed bag. I remember when I was trying to refinance a few years back, my credit was decent but my income structur...

Interesting perspective. I've also wondered if the rigidness you're describing is tied to their internal policies or more about regulatory constraints...