Reading this makes me feel a bit better about being cautious. We haven't refinanced yet—still weighing the pros and cons—but your roof story hits home...

Haha, totally relate to the Oreo stress-eating at 2am...been there. Honestly, I felt the same hesitation about HELOCs after hearing horror stories fro...

I almost refinanced last year but chickened out at the last minute. My spreadsheets looked good too, but then my friend lost her job unexpectedly and ...

That's interesting, I hadn't thought about pushing back like that. When I was applying for my loan, the lender asked for some paperwork that seemed to...