Haha, yeah, phones are the worst. I remember trying to trade in my old flagship phone—thought I'd at least get enough for a nice steak dinner...ended ...

Totally agree with this. I refinanced my VA loan a couple years back, and honestly, chasing the absolute lowest rate wasn't worth losing flexibility. ...

Did something similar a few years back—refinanced, wiped out all my credit card debt, and felt like I'd won the lottery. But yeah, that "extra breathi...

Glad someone mentioned the appraisal thing—I learned that lesson the hard way a few years back when I refinanced. My appraisal came in about 15k lower...