I hear you about the endless paperwork. When I refinanced last year, I thought I’d seen it all from my original purchase, but the HOA docs were a whol...

I get where you’re coming from, but I actually found one of those apps helpful when I was refinancing last year. My spreadsheet was a mess—too many ta...

I remember when I refinanced last year, I thought I was ready for the paperwork mountain... but wow, it was even more than my original mortgage. There...

I hear you on the risk-averse thing. When we refinanced a couple years back, I kept running the numbers on both fixed and ARM options. The ARM looked ...

That’s wild—my escrow jumped after a refi too, and I remember thinking, “Wait, wasn’t this supposed to make things easier?” The insurance shuffle is s...

I left a couple of old cards open when I refinanced last year, thinking it’d help my score. Funny thing is, one of them got closed anyway after like 1...