Refinancing definitely has its perks, but a quick heads-up from experience: - It can free up cash for emergencies (like your midnight plumbing advent...

This hits home. Had something similar happen recently, and it felt like every time I thought we were good, they'd toss another curveball. Definitely a...

Good points here, especially about regulations. I'd add a couple more things to think about: - Short-term rentals can be volatile beyond just regulat...

Been there, done that...and honestly, wouldn't recommend winging it. A few years back, my wife and I found this amazing place—checked every box—but we...

Good points—I agree it's not always about lender size. A couple things I've noticed from my own experience: - Big lenders often have streamlined digi...

Totally agree with your points—fixed rates really do simplify budgeting. A couple more things I've noticed: - Adjustable rates can seem tempting, but...

Totally see your point about flexibility—life really does throw curveballs. A few years back, I went fixed-rate thinking I'd stay put for at least a d...