Good point about the break-even, but honestly, IRRRLs usually have pretty low closing costs compared to traditional refis. I've done a couple myself, ...

Totally agree on the grant delays—seen it happen more times than I can count. Another thing to keep in mind is that some grants come with strings atta...

Couldn't agree more. I've used ARMs multiple times, and honestly, the key was always having a clear exit strategy or at least a solid contingency in p...

Exactly. Had a similar experience recently—offered concessions to fill vacancies quicker and explained clearly to the lender that it was just a short-...

Solid advice right there. I'd also add that HARP technically ended a while back (2018, I think?), but there are still similar programs out there like ...

I've found being direct usually works better for me. Last year, I was working on a refi and the lender was dragging their heels big time. After weeks ...

We redid our master bath a few years back purely because we hated the old layout—didn't even think about resale at the time. Fast forward, when we sol...