Yeah, learned that lesson the hard way myself. Thought I'd be proactive and snagged a sweet deal on a new fridge right before closing... lender was NO...

Couldn't agree more. The first year I dealt with property taxes, I swear I aged five years in one night—papers everywhere, calculator batteries dying ...

Haha, your story sounds painfully familiar. When we bought our first home, we went with an ARM because the initial rate was just too tempting to pass ...