You're spot on about PMI being one of those sneaky little details that often slips through the cracks. I remember being hyper-focused on the interest ...

You're spot on about closing costs being overlooked. When I refinanced a few years ago, I made sure to calculate how long it'd take to recoup those co...

Good points overall, but I'm not entirely convinced windows are always a subtle, long-term benefit compared to thermostats. When I replaced my old sin...

I had a similar experience with those calculators—they tend to assume ideal conditions, which rarely match real life. When I refinanced a few years ba...

You're spot-on about smaller credit unions—they've saved me from headaches more than once. Another thing I've found helpful is explicitly clarifying u...

Good points, especially about keeping records handy. I once had a lender question a birthday gift from my parents—talk about awkward. Curious if anyon...