That’s a fair point. It’s wild how much you can save upfront with a balloon, but I always wonder if people factor in credit changes too. If your score...

I get the whole flexibility angle, but I’ve found that having a 15-year loan actually kept me more disciplined. True, but in my case, if I had the op...

That's a good catch—glad you checked with your accountant. It makes me wonder how many people just take the bank's word for it and end up with an unpl...

Good advice overall, but isn't there a window (like 14-30 days) where multiple credit pulls for the same type of loan count as just one inquiry? I've ...

Yeah, good point about the timeline—people often skip that step. When I refinanced to drop PMI, I initially just wanted the monthly payment relief, bu...

I've wondered the same thing—sometimes it feels like they're just counting on us not noticing. I've pushed back a couple times, and surprisingly, they...

Totally relate to this. I was dead set on having a finished basement for a home gym, but after touring some places, commute time started looking way m...

I get your point, but isn't there a risk of falling back into debt if the underlying spending habits aren't addressed first? I've seen friends consoli...

Yeah, timing can be rough, but honestly, rates fluctuate constantly. Maybe instead of waiting for the perfect moment, focus on boosting your credit sc...